Commercial Credit Officer

EDUCATION AND EXPERIENCE

• Bachelor’s degree in finance, Accounting, Agribusiness, Business Administration or a related field, or equivalent experience.
• Six (6) years or more of experience in the administration and analysis of complex credit facilities for large agribusiness and commercial loans and leases.
• Experience in structuring and evaluating complex loan, lease and credit servicing actions is essential, and requires proficiency in oral and written communication.

• The Commercial Credit Officer collaborates with Commercial and Capital Markets Relationship Managers, Special Assets Officers, and Administrators in performing detailed financial analysis of commercial agriculture and agribusiness credits.
• This role involves assessing creditworthiness, conducting market research, and performing high-level credit analysis and structuring of the Association’s largest and most complex borrowers.
• The Credit Officer will work independently and under minimal supervision, as part of a deal team that guides credit actions through the entire process from initial discussions through underwriting, decision‑making, closing, and servicing.
• Processes and approves loans and leases in multiple territories within the limits of specific delegated authority consistent with Association policies.
• Trains less‑senior loan officers and credit analysts to ensure quality service and attainment of the Association’s credit goals.
• Has appreciable latitude for decision making as part of a deal team.
• Builds strong relationships with client management/owners and other financial institutions and assists in the management of purchased and sold loan and lease participations.

• Collaborates with Commercial and Capital Markets Relationship Managers, Special Assets Officers and Loan Administrators in structuring, analysis, and servicing of the Association’s largest and most complex borrowers’ loans and leases.
• Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers and borrowers to ascertain credit worthiness. Determines appropriate Probability of Default (PD) rating for loans and leases.
• Analyzes collateral and borrower primary and secondary repayment sources. Determines appropriate Loss Given Default (LGD) rating for loans and leases.
• Demonstrates a strong understanding of key ratio analysis, and the relationship of those ratios on the various financial statements (balance sheet, income statement, cash flow statement, etc).
• Exercises sound credit judgment to develop unique financing and structuring solutions for a diverse customer base. Assists prospective and current borrowers with their credit needs and with formulating solutions to credit related issues.
• Develops, manages, and monitors loan portfolios including commercial loan originations and capital markets loan participation packages.
• Interprets, communicates, and provides guidance regarding association lending policies and procedures.
• Reviews and approves loans and leases submitted by other lending staff that exceed their delegated authority.
• Ensures compliance with Association policies and procedures.
• Performs credit servicing tasks, which may include partial releases, subordination to mineral leases and right of ways, division orders, re‑amortizations, assumptions, severance agreements, and insurance claims.
• Presents credit packages to loan committee/senior management with recommendation for approval or denial of loan requests.
• Provides guidance to credit analysts as needed.
• Attends public relations functions for the Association, industry conferences, and lender meetings.
• Completes coordinated projects as assigned.
• May perform collections on assigned loans and assists management with collections on all loans in the portfolio. Works with loan officers, administrators and Special Assets Group to service problem loans.
• May facilitate the loan closing process as required in accordance with all applicable association and FCA policies and regulations.

• Minimum six (6) years of experience in structuring and evaluating large complex loan, lease, and credit servicing actions for commercial, agribusiness and…