Portfolio Analyst

American AgCredit

Portfolio Analyst responsible for analyzing and servicing complex commercial and real estate loans. Engaging in business development and customer interaction while managing existing loan portfolios.

Posted 6/11/2026part-timeLas Cruces • New Mexico • 🇺🇸 United StatesSeniorLead💰 $71,138 - $123,959 per yearWebsite

About the role

Key responsibilities & impact

Analyzing and evaluating numerous or large and complex commercial and/or real estate loan applications
Servicing commercial and/or real estate loans by frequent contact with customers
Actively pursuing new business through organized marketing and business development programs
Interview loan applicants; prepare loan applications, financial statements and budgets
Prepare spreadsheets of financial statements, e.g., balance sheets and income statements
Input all required data into the loan origination and loan processing systems
Review all pertinent credit and financial information; determine the need for more thorough investigation or additional information
Analyze information statement and related material; prepare summaries, present facts, and offer opinions concerning credit-worthiness
Analyzing loan applications and supporting documents
Recommend approval or denial of loans, or approve/deny loans within lending authority
Determine and review legal documentation
Verify financial statements, review credit reports, and collect relevant data
Communicate Association credit philosophy and stock requirements to customer
Communicate and promote the availability of loan products and other financially related services
Prepare loan servicing actions and follow-up on assigned loan portfolio
Interact with title companies
Monitor loan process
Provide backup to loan officers on customer service issues and respond independently to requests for information and assistance
Conduct collateral inspections
Represent the Association at public functions
Conducts credit training and development programs for staff
May serve as a member of the employee loan committee or participate in loan committee meetings
Perform other duties assigned.

Requirements

What you’ll need

At least eight years progressively responsible banking or related agricultural lending experience
BA/BS degree with emphasis on agribusiness, business administration, or equivalent
Strong credit and analytical skills
Demonstrated understanding of agricultural lending principles and practices, and association and Farm Credit System operating policies and procedures
Knowledge of FCA regulations, association, and district policies and procedures
Demonstrated proficiency in organizing and prioritizing work to meet deadlines
Strong written and verbal communication skills
Strong persuasive and interpersonal skills
Proficient in use of PC, including word-processing, e-mail and electronic spreadsheet software.
Provides training to credit staff and may serve as a member of or participate in loan committee meetings.

Benefits

Comp & perks

Commitment to agriculture and the communities we serve
Family friendly work environment
Investment in employee development
Medical, Dental and Vision coverage
Outstanding 401k – automatic 3% employer contribution, plus match up to 6%
Generous Paid Time Off (Vacation accrued at 21 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time)
Competitive Incentive Compensation Plan
Disability & Life Insurance
Employee mental, physical, and financial wellness programs

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

loan analysisfinancial statement preparationcredit evaluationloan originationloan processingcollateral inspectioncredit trainingagricultural lending principlesFCA regulationsdata verification

Soft Skills

analytical skillsorganizational skillsprioritizationwritten communicationverbal communicationpersuasive skillsinterpersonal skillscustomer servicebusiness developmentteam collaboration

Certifications

BA/BS degreeagricultural lending certification