Associate Portfolio Analyst

Join Our Team At American Ag Credit

American AgCredit offers a unique opportunity to be a part of a national financial system supporting those who feed, clothe and fuel the world. We are a growing organization embracing collaboration and innovation while delivering transformative solutions. American AgCredit provides a cultivating environment where you truly make a difference for our customers and teams.

Benefits offered by American AgCredit:

• 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

Position will be posted until filled.

Generally responsible for assisting in taking and analyzing loan applications; assisting applicants in completing loan applications and budgets; servicing small routine commercial and/or real estate loans by frequent contact with customers; and actively pursuing new business through organized marketing and business development programs. May be responsible for management of existing designated loan portfolio; renewal operating loans and term loans.

• Interview loan applicants, preparing 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.
• Assist with analyzing loan applications and supporting documents. Recommend approval or denial of loans, or approve/deny loans within lending authority.
• Assist with determining and reviewing legal documentation.
• Verify financial statements, review credit reports, and collect relevant data.
• Communicate Association credit philosophy and stock requirements to customer.
• 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.
• Communicate and promote the availability of loan products and other financially related services.
• Conduct collateral inspections.
• Processes FSA denials.
• Represent the Association at public functions.
• Perform other duties assigned.

Levels of supervision exercised and received:
Exercises no supervision; makes some independent decisions; works under general supervision of VP-Regional Credit Underwriting, or designee.

Typical education and experience:

• BA/BS degree with emphasis on agribusiness, business administration, or equivalent.
• Six months to one-year experience as a trainee or equivalent.
• Knowledge of agriculture and/or agribusiness.
• Must be proficient in organizing and prioritizing work to meet deadlines.
• Demonstrated analytical and statistical skills to evaluate, prioritize and categorize data in various formats for reports.
• Skills in credit and cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis.
• Strong written and verbal communication skills.
• Strong interpersonal skills.
• Proficient in use of PC, including word-processing, e-mail and electronic spreadsheet software

Part-time remote/hybrid:
These employees will work partly remote and partly onsite. Part-time remote employees will work with their managers to determine when and how often they are needed onsite.

Pay range:
Minimum $55,036.76 - Max $90,260.29 Annual. This range is reflective of the national salary average for this position and will be adjusted using geographic…