RVP Retail Credit Underwriting

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AgCountry Farm Credit Services (AgCountry), Farm Credit Services of America (FCSAmerica) and Frontier Farm Credit are financial cooperatives that operate under shared management across eight states. While each association is owned by its local farmers and ranchers, they collaborate by pooling resources, expertise, and talent to provide affordable credit, crop insurance, and financial services. Our associations are united by a common mission and commitment to serving rural America and supporting each other, which drives the success of the farmers, ranchers, and agribusiness we serve.

We take pride in being a great place to work, and this enthusiasm is reflected in the relationships our team members foster with one another and with our customers.

* Hybrid-Incumbent must work three days per week in the Fargo, ND office.

We are hiring a RVP Retail Credit Underwriting to provide credit leadership to inspire the Associations’ vision for the assigned team, region, and specialty lending products, including AgDirect and online loan applications. The position is responsible for leading the underwriting, analysis, and approval processes for the retail and AgDirect originated portfolio, including industry due diligence and portfolio monitoring. Success is measured through achievement of association goals for underwriting production, credit risk management, credit administration and customer service standards.

Lead the training and development of
1) assigned Credit Analysts in their development as industry experts and
2) Credit Analysts in their development in product specialties and general underwriting assignments. Provide leadership and development of specialized lending programs, enterprise credit standards, and for the establishment and application of sound credit philosophy.

• Responsible for leading the analysis and underwriting activities for:
  • Commercial livestock producer relationships, large grain producer relationships, and agribusiness relationships originated in the retail portfolio.
  • Traditional and AgStart producers across all industries and with in the assigned region. Lead the analysis of customer information and financial statements, propose creative loan structures, and provide service which meets and exceeds customer expectations.
    
    Manage credit risk in the retail portfolio to meet the Associations’ strategic goals and objectives.
  • Underwriting activities related to the AgDirect products as well as establishing team standards to meet the Association’s goal of being a collaborative partner, consistently demonstrating an attitude of responsiveness and excellence in assessing credit risk and constructive decision-making.
    
    Lead and manage the day-to-day credit approval processes for all loans in the assigned Region or Division and collaborate with other Credit leaders to support the approval process for the entire Retail Credit Team.
    
    Make decisions on loans within delegated authority, up to $10MM in aggregate liability, lead Loan Committee actions up to $40MM, and recommend action on credit requests that exceed retail delegated authorities.
    
    Evaluate individual credit judgment abilities of team members and make recommendations accordingly.
    
    Evaluate, support and participate in submissions to Association Loan Committee, including providing support for Agribusiness Finance decisions as requested.
• Provide leadership, coaching, training, and personal development to team members to ensure the extension of sound credit through loan structuring parameters, loan agreement covenants, collateral position and loan monitoring. Develop team members through coaching, training as well as ongoing performance feedback. Development includes administration…