Senior Credit Underwriter Reviewer; onsite​/hybrid

Senior Credit Underwriter Reviewer (onsite/hybrid)

Senior Credit Underwriter Reviewer (onsite/hybrid)

Location Notice:
Agri Bank is currently headquartered in downtown St. Paul. Please be aware that we will be relocating to Richfield, MN in September 2026.

As a key member of the Credit team, you will be part of Agri Bank's mission to support the people who feed the world. The Senior Credit Underwriter Reviewer collaborates with key stakeholders at Agri Bank, including senior loan committee and executive leadership team (ELT) and the District Associations, to create/author the credit actions and recommendations that will fulfill the funding and credit needs of District owners/Associations that are larger in size or that have more complex operations;

reviews individual Association and/or OFI loan files and internal credit review programs to determine the integrity and reliability of asset classification and credit administration; and provides subject matter expertise to less experienced team members.

Wholesale Lending/Underwriting and Monitoring

• Serves as primary point of contact and provides supervisory oversight for an assigned portfolio of Associations, typically larger in size or with more complex issues.
• Analyzes and monitors trends in financial performance, credit quality and capital adequacy for District Associations with up-to $35 billion in total assets.
  • Underwrites the annual wholesale line of credit renewal/review report, utilizing information received from meetings with Association senior leadership, Association provided financial information requested, and from District information published by Agri Bank.
    • Plans and leads meetings with Associations’ Senior Leadership Teams, including developing the agenda to obtain information need to develop the Wholesale Line of Credit report and discussing the latest strategic initiatives of the Association and any important trends or deviations from plans/budgets
    • Identifies and communicates key issues, and document findings and recommendations
    • Presents key issues to Agri Bank’s Senior Credit Committee and fields Committee members’ questions
  • Works with Association’s Senior Leadership Teams and Agri Bank’s Relationship Management department to coordinate the annual review/renewal of District Associations’ wholesale lines of credit
  • Authors the credit report highlighting the Association’s risk profile, utilizing information received from the meetings with Association management teams and other available sources.
    • Identifies and documents key issues, risks and emerging trends
    • Develops wholesale loan terms and conditions recommendations upon which Agri Bank’s Senior Credit Committee can act
    • Recommends probability of default rating for each association
  • Leads presentation of key issues to Agri Bank’s Senior Credit Committee and ELT members and fields Committee members’ questions
• Perform Regulatory Oversight on portfolio of Associations
  • Monitors compliance to regulatory limits on lending to:
    1) processing or marketing operations,
    2) rural housing loans, and
    3) similar entity loans
  • Reviews and approves YBS program of Associations
  • Approves investment policies and investments held by Associations prior to Association seeking FCA approval
  • Approves Association investments in Unincorporated Business Entities (UBEs)
  • Analyzes and acts on approval requests from Associations on charter amendments and communicate to FCA on conclusions reached
  • Analyzes and acts on approval requests of Association’s merger or consolidation proposals, and provide analysis and recommendation to FCA
  • Reviews and acts on Association proposals for territory transfer and communicates to FCA

• Reviewer in charge or assists in credit reviews at OFIs and/or associations multiple times throughout the year, which includes but is not limited to: communicating with association/OFI senior management to gather information, preparing the loan review sample, and reporting the findings to association/OFI senior management.
• Reviews the largest and most complex loan structures/relationships
• As Review in Charge, serves as a liaison throughout the review process to OFI…