Credit Resolution Portfolio Manager

Why Join American AgCredit?

American AgCredit offers a unique opportunity to be 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.

• 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

Responsible for completing the financial analysis and due diligence required to develop credit packages and complete loan servicing on troubled credit. Will assist the Credit Resolution Relationship Manager in gathering the required information necessary to make appropriate credit decisions and analyze credit and restructuring requests from start to finish. Serves as a secondary point of contact for resolving distressed credits. Recommend loan and restructuring requests based on the Association’s Underwriting Standards.

Will complete analysis on various servicing actions on existing customers, such as restructures, extensions, forbearances, releases, assumptions, conversions, and charge-offs. Accountable for underwriting a designated loan portfolio and any new accounts transferred to the Credit Resolution Group (CRG). Responsible for the approval/denial of credit actions through either the utilization of assigned delegated authority or recommendation to a higher level of delegated authority.

• Assists the Relationship Manager in gathering information necessary to make appropriate credit decisions.
• Develops credit packages and loan servicing actions.
  • Reviews and analyzes credit information presented; determines the need for more thorough investigation or additional information.
  • Requests appraisal/field reports, obtains third party verifications, obtains credit reports, and requests lien searches as necessary.
  • Completes loan analysis, including financial statements, cash flows, loan analysis forms, trend sheets, writing narratives, preparing facts, and offering opinions concerning creditworthiness, risks and mitigants, and other forms as required. Forms projections using historical financial data, current budgets, and other information.
  • Inputs all required financial information and data into the financial analysis, loan origination, and other loan processing systems.
  • Makes approval recommendations on loan actions based on the Association’s Loan Underwriting Standards while complying with regulatory requirements. Participates in loan committee meetings as may be required.
• Demonstrates analytical and statistical skills to effectively evaluate loan requests and make the appropriate independent opinion of the credit worthiness of the applicant, aligned with the organization’s credit philosophy and risk appetite.
• Monitors assigned portfolio to determine the customer’s potential servicing needs and ensure customers stay in compliance with the terms and conditions of their loan(s).
• Assists in the preparing quarterly High Attention Credit Reports and other CRG Reports as required to monitor the portfolio.
• Determines and reviews legal documentation. Coordinates with all credit and approval departments and with attorneys and title companies on loan closings, as needed.
• Provides support with developing training for the Association staff on distressed loan management processes.
• Assists branch staff in discussions about restructuring and liquidation issues.
• Contributes to any special projects where a Credit Resolution employee is needed.
• Performs other duties assigned.

• Responsible for…