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Credit Analyst - Assigned (Level:21C, 22D, 23E, 24E) Closing Date: 7-25-2017

Farm Credit Services of America

Omaha, NE
Job Code:
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Job Details

Farm Credit Services of America or Frontier Farm Credit Job Postings
Credit Analyst - Assigned (Level:21C, 22D, 23E, 24E) Closing Date: 7-25-2017
Job Title: Credit Analyst - Assigned (Level:21C, 22D, 23E, 24E) Closing Date: 7-25-2017
Job Type: Full-Time
Location: Omaha, NE
Post Date: 07/11/2017
Job Description:

Position Title for posting: Credit Analyst - Assigned Portfolio

REPORTS TO: SVP Credit - Agribusiness Capital

Provide credit leadership to the Associations’ vision for the assigned Beef team, and specialty lending products. The position is responsible for the underwriting, analysis, structuring and consensus approval processes for the retail originated beef portfolio, including industry due diligence loan and portfolio monitoring. Provide timely loan processing and underwriting, incorporating sound decisions on structure, terms and conditions, and documentation to design innovative credit packages to meet customer needs while maintaining and improving quality credit standards. This position consults, advises and leads individual assigned credit decisions for the retail marketplace for specialized industries and large, complex and high risk beef producers. Responsible for monitoring and risk management of the categories of assigned accounts. Work in a team environment to accomplish goals.

All specialties may provide work direction and counsel to Financial Analysts and Financial Specialists. Provide credit analysis and underwriting support and counsel to retail employees, external originators and the Associations’ customers.

Essential functions of the position include, but are not limited to:

1. Provide analysis and underwriting of loan and lease applications for new, renewal and servicing actions for specialized industries, large complex, and high risk accounts. Analyze customer financial statements; which may include balance sheets, trend analysis, income statements, cash flows, collateral analysis, performance reconciliations, credit bureau reports, and commodity brokerage statements. Work collaboratively and creatively with the assigned retail Relationship Officer to identify options and alternatives that would restore operational viability and success within a reasonably agreed upon timeline. Work collaboratively with Retail Credit Teams and the Credit and Resolutions Team to meet the Associations’ Retail Credit goals and objectives.

2. Responsible for the underwriting activities on assigned portfolio originated in the retail markets. Loan characteristics exhibit qualities that render them more difficult to assess risk and performance (i.e. multiple entities, unique contractual business characteristics, financial structure and performance, complicated legal structure and complex monitoring needs). Activities include assembly, consolidation, calculation, documentation and communication of financial condition of the customer and the acceptability of his/her request. Requests may be originated from another financial institution or within the Associations. The incumbent will demonstrate the expertise to analyze, present, and participate in actions on assigned loans requiring the Associations’ Loan Committee action. Identify credit concerns and weaknesses to ensure that risk is accurately identified and credit administration, policy, and procedures are all balanced in the best interest of the customer and the Associations.

Level 23: Focus on customer accounts with a higher level of complexity, loan size, and risk to the Associations.

Level 24: Responsible for handling and providing expertise in the most complex and largest accounts posing greatest risk to the Associations.

3. Identify and recommend financial information to be collected and appropriate loan terms. Pursue the decision through appropriate delegation levels on a consensus basis. Responsible for actions that lead to improving the overall financial performance of the account, working towards acceptable credit quality and continuing to maintain satisfactory credit administration. Coordinate final conditions of approval by working with Agribusiness Finance (ABF) Team, retail teammates, and/or the Credit and Resolutions Team to structure the loan package in a manner that meets customers’ needs and the Associations’ risk tolerance.

4. Support and assist with the development and maintenance of information that assists retail staff with monitoring of individual credits. Ensure that loan performance and financial covenants are maintained. Initiate action and if needed assist in the communication to ensure the customers correct situations where they are out of compliance in an expedient manner. Coordinate with the Credit and Resolutions Team around the transition and transferring of accounts from the retail portfolio to the Credit and Resolutions portfolio.

5. Participate in sales calls as needed for assigned customer accounts, or in an event to promote the Associations’ image as an industry expert.

6. Assist with activities that develop due-diligence and front-end guidance to the retail markets; including market/industry information gathering, the development of credit standards and guidelines, the development of special lending programs, and the development and delivery of training programs for specific industries or topics.

7. Responsible for monitoring of assigned portfolio; including evaluation of compliance with loan terms and conditions, and participation in inspections and business validations as appropriate.

Additional functions of the position may include:
1. Performs other related duties as assigned.

Bachelors degree or equivalent experience in business or agricultural economics, with an emphasis on finance, accounting, or management for all levels. Masters in Business Administration or equivalent is preferred.
Level 21: The ideal candidate will have a minimum of 3-5 years of credit experience in a commercial and/or ag lending industry. Should be familiar with terms and conditions associated with multi-party lending relationships. Will most often use judgment on lines of credit that exceed $1.5 million.
Level 22: The ideal candidate will have a minimum of 5-7 years of credit experience in a commercial and/or ag lending industry. Should be familiar with terms and conditions associated with multi-party lending relationships. Will most often use judgment on lines of credit that exceed $1.5 million.
Level 23: The ideal candidate will have a minimum of 7-9 years of credit experience in a commercial and/or ag lending industry. Must be familiar with terms and conditions associated with multi-party lending relationships. Will most often use judgment on lines of credit that exceed $1.5 million.
Level 24: The ideal candidate will have a minimum of 8-10 years of credit experience in a commercial and/or ag lending industry. Must be familiar with terms and conditions associated with multi-party lending relationships. Will most often use judgment on lines of credit that exceed $1.5 million and may be in excess of the Associations’ lending authority. Minimum 3 years of demonstrated effective leadership amongst peer group and other teammates.
Duties for all levels require:
• Competency in financial analysis, understanding the interrelationship of the balance sheet, income statement, and statement of cash flow.
• Ability to understand the dynamics of the business cycle of different agribusinesses.
• Ability to understand and interpret marketing and or commodity trading statements to determine marketing position and risk exposure to the customer and association.
• Ability to locate and interpret Farm Credit Administration (FCA) regulations and district and Association policies, procedures, standards, and expectations.
• Ability to work effectively in an independent, self-motivated manner.
• Ability to work effectively in a team environment and effectively demonstrate team building attitude and skills.
• Solid understanding of credit management techniques, credit administration, and loan servicing.
• Ability to convert analysis to a decision.
• Experience in use of computers and databases.
• Ability to study and retain information about agriculture industries.
• Ability to communicate understanding of the industry and the Associations’ policies and positions to internal and external contacts.
• Proficient in Windows environment using Microsoft Word, Excel, and Internet Explorer.

Frequent internal contact with ABF, retail Relationship Officers, Credit and Resolutions teammates, as well as other Credit Team, legal counsel, and finance experts. May have frequent contact with customers and other leaders within the various industries served, other Farm Credit districts, and other banks.

• Ability to understand and explain various subject matter and consult on concepts, programs, terminology, and methods.
• Ability to reason, judge, compare, calculate, evaluate, decide, and critique such information as written material, numerical data, responses to customer needs, and/or other related work activities.
• Ability to complete work in acceptable timeframes and manage a variety of detailed tasks and responsibilities simultaneously and with accuracy to meet deadlines, goals, and objectives and satisfy internal and external customer needs related to the job.
• Ability to operate telephone and respond to calls and in-person inquiries.
• Ability to travel a moderate amount (up to 20%) via auto or commercial transportation to carry out essential responsibilities.
• Ability to use a computer. This involves reading the screen and keying/typing information.
• Ability to use and understand computer software related to carrying out essential responsibilities of the position.
• Ability to compose, correct, and edit written, word processed and typed work.
• Ability to move about the office with occasional reaching and bending.
• Speak and make presentations to individuals or groups on technical subjects related to job.
• Ability to successfully interact with and represent the organization to staff, officers, board members, customers, vendors, and/or the public at all levels.
• Ability to provide sound technical advice to leaders and other staff in the subject field(s) related to this position.

Requirements of the job include the ability to do the work, with or without reasonable accommodations. It is the Association's policy to make reasonable accommodations for individuals with disabilities. Leadership retains the right to add, subtract or change duties of the position at any time.

This document does not create an employment contract, implied or otherwise, other than "at will" employment relationship.

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.Position Title for posting: Credit Analyst - Assigned Portfolio

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Sponsored by:
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