Loan and Quality Monitoring Analyst

• 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
• The position is bonus eligible based on association and personal performance

• Execute loan quality monitoring reviews in accordance with approved plans, methodologies, sampling criteria, documentation standards, and quality expectations.
• Review loan files, system records, approvals, documentation, calculations, servicing activity, and other evidence to determine conformance with applicable requirements.
• Document review procedures, evidence, exceptions, impact, and conclusions in a complete, accurate, and traceable manner.
• Classify and communicate quality exceptions using established criteria; elevate material, recurring, or ambiguous matters promptly.
• Analyze review results to identify error patterns, process breakdowns, training needs, control weaknesses, and potential broader impact.
• Partner with lending, credit, and operations teams to understand processes, validate facts, and support practical corrective action.
• Support root-cause analysis, issue tracking, remediation validation, and follow-up monitoring when assigned.
• Maintain accurate review status, work papers, reporting inputs, and evidence needed for management, audit, and regulatory review.

• In-depth knowledge of lending processes, loan documentation, credit and approval requirements, booking, servicing, and related operational controls.
• Knowledge of applicable lending policies, procedures, delegated authorities, regulatory requirements, and documentation standards.
• Knowledge of quality monitoring, sampling, evidence evaluation, exception classification, root-cause analysis, and issue follow-up.
• Knowledge of loan systems, document repositories, workflow tools, and data used to support lending and servicing activity.

• Analyzes complex loan files and process evidence and reaches clear, supportable conclusions.
• Works independently, manages multiple reviews, and completes assignments with minimal guidance.
• Applies consistent judgment while recognizing conditions that require escalation or specialist input.
• Documents findings accurately and communicates exceptions constructively to lending and operations partners.
• Identifies themes and root causes using review results, operational information, and data analysis.
• Uses spreadsheets, reporting tools, loan systems, workflow systems, and document repositories effectively.
• Protects confidential customer and Association information and maintains an objective review approach.

• Education:
  
  Bachelor’s degree in business, finance, accounting, agriculture, risk management, or a related field, or an equivalent combination of education and relevant experience.
• Experience:
  
  5 years of relevant experience in lending, credit, loan operations, quality assurance, risk, compliance, audit, or a related discipline required. Preferably in banking/financial industry.
• Licenses/Certifications:
  
  No certification required.

• Travel required up to 10%

This position requires the ability to perform essential job functions in a professional office environment, which may include both indoor and outdoor work settings as needed. The employee is regularly required to sit for…