Senior Portfolio Monitoring Analyst

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

The Senior Portfolio Monitoring Analyst performs advanced underwriting functions that include monitoring and servicing of existing and new accounts by reviewing, validating, reconciling, and trending tested financial covenants and borrowing base certificates. Frequent analysis and presentation of covenant compliance and financial performance trends to Underwriters, Account Officers, and other company personnel is required. The role also maintains and manages a small portfolio of credits focusing on Production Agriculture, Agribusiness, and Capital Markets.

Responsibilities include analyzing and evaluating loan applications, approving loans within delegated authorities, and recommending loans for approval to the loan committee.

• Analyze existing and new accounts’ ongoing covenant compliance performance through review, validation, reconciliation, and trending of borrowing base certificates and tested financial covenants.
• Spread and analyze financial statements to determine financial performance trends, including repayment capacity, liquidity, leverage, capitalization trends, and sources and uses of cash.
• Review financial and covenant reporting data with efficient and accurate follow-up to all counter parties.
• Analyze all pertinent financial information and supporting reports and determine the need for additional information or a more thorough investigation.
• Assist the underwriting team in preparing loan servicing actions and periodic financial reviews.
• Occasionally prepare and present credit information for account officers or committees to make lending decisions on new or renewal loans.
• Review credit agreements and other loan documents to support covenant compliance and financial performance reviews.
• Communicate effectively, both verbally and written, with deal teams regarding ongoing covenant compliance and financial performance trends of existing and new accounts.
• Review and understand chattel evaluations and real estate appraisals.
• Assist in collateral control activities including, but not limited to, inventory analysis and verification and accounts receivable maintenance and verification.
• Perform other duties as assigned.

Exercises no supervision; makes independent decisions; works under general supervision of Director of Corporate Underwriting or designee.

• Bachelor's degree preferred, majors in Accounting, Finance, Business, Agribusiness, or related fields required, or a minimum of six years’ experience in a similar role in lieu of a degree.
• General knowledge of agriculture and/or agribusiness is required.
• Previous work/internship experience with a customer-facing role is preferred.
• Demonstrated familiarity with accounting principles, banking policies, procedures, and processes is required.
• Strong analytical and statistical skills to validate, evaluate, prioritize, and categorize data in various formats is required.
• Self-starting approach to work, great attention to detail and pride in accurate work is required.
• Strong organization and prioritization skills is required to thrive in a fast-paced environment.
• Proficient in Microsoft Office Suite programs.
• Strong collaboration and communication skills. Must have the ability to communicate effectively, both verbally and written.

Must be able to perform basic office tasks and work in a typical office setting. Employees will be sitting for extended periods of time and accomplishing work at a desk and a computer for an…