Prin Credit Officer Risk

Empowered to live. Inspired to work.

Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin. We bring together team members with a variety of backgrounds and experiences to help provide financial services to support agriculture and rural communities. Join us in a culture that not only promotes meaningful work and professional development, but provides a flexible, hybrid work environment and excellent benefits, which empower you to thrive both personally and professionally.

How we support you:

* Hybrid model - up to 50% work from home

* Flexible schedules including ample flexibility in the summer months

* Up to 9% towards 401k (3% fixed Compeer contribution plus up to 6% match)

* Benefits: medical, dental, vision, HSA/FSA, life & AD&D insurance, short-term and long-term disability, wellness program & EAP

* Vacation, sick leave, holidays/floating holidays, parental leave, and volunteer paid time off

* Learning and development programs

* Mentorship programs

* Cross-functional committee opportunities (i.e. Inclusion Council, emerging professional groups, etc.)

* Professional membership/certification reimbursement and more!

Casual/seasonal & intern team members are not eligible for benefits except for state-mandated programs.

To learn more about Compeer Financial visit  

This position offers a hybrid work option up to 50% remote and is based out of the MN-Mankato; MN-Lakeville; MN-Waite Park, WI-Eau Claire; WI-Sun Prairie; or WI-Onalaska office.

The contributions you will make:

This position is responsible for the management and servicing of complex high risk asset portfolio's across an assigned region or territory. Evaluates, underwrites and makes credit decisions for commercial, traditional, investor, and consumer loan requests originated by Compeer team members and determines if the characteristics of the credit package present an acceptable level of credit risk for the organization. Provides relationship based financial solutions for farmers, investors, and rural consumers in area of expertise within delegated authority.

May be assigned a specific industry or subject matter on which to focus

A typical day:

Credit Analysis and Decision Making

* Analyzes complex financial and supporting information submitted for formal and informal lending and servicing requests.

* Identifies, communicates, and assists in the collection of financial information required to process lending and servicing requests.

* Approves, declines, or escalates credit decision to higher authority levels as required.

* Determines appropriate level of analysis and due diligence required based on credit risk.

* Determines appropriate account classification and probability of default rating.

* Effectively communicates the credit decision, terms, conditions, and findings through a formal narrative write-up.

* Establishes loan conditions and closing requirements for approved actions.

* Answers questions and provides direction on any credit related issues that arise during the processing, closing, and servicing of lending transactions.

* Serves as a resource to credit team members regarding policies, procedures, and credit related matters.

* Manages complex more challenging accounts with higher volume.

Credit Counseling and Loan Servicing

* Partners with team members to provide credit counsel and financial solution options for clients.

* Determines how to structure credits to meet internal lending requirements, client expectations, and the organizations growth objectives.

* Meets with clients to provide quantitative assessments of financial performance in relation to internal lending standards.

* Establishes servicing plans and other monitoring requirements for financially stressed accounts.

* Compiles information for monthly and quarterly reporting (delinquency, TDR reporting, Disbursements and receipts, repricing, etc.).

Collection Services

* Conducts and participates in complex negotiations for collecting or correcting non-performing accounts.

* Approves or denies restructuring applications, standstill agreements and re-amortizations.

* Counsels and convinces clients to agree on a workable solution.

* Approves sending account…