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Open nowPosted 15 days ago

Portfolio Analyst - Commercial

American AgCredit10 open roles

Pay
$71,139 a year
Where
Dodge City KS
Work mode
Hybrid
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Your applicationOpen nowPortfolio Analyst - CommercialAmerican AgCredit · Dodge City KS
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The clock on this job

Early applications get read.

10.5% of postings close within 7 days. Measured by our own scanner across the market. American AgCredit postings stay open a median of 39 days.

Share of postings closed within
  1. 2.1%1 day
  2. 4.3%3 days
  3. 10.5%7 days
  4. 15.9%14 days
  5. 34.1%30 days
This job: posted 15 days ago

American AgCredit median: 39 days open

The posting

Why should you join our team?

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.

BASIC FUNCTION:

The Portfolio Analyst is responsible for analyzing and evaluating numerous or large and complex commercial and/or real estate loan application; servicing 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.

ESSENTIAL DUTIES:

  • Interview loan applicants; prepare 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.
  • Analyzing loan applications and supporting documents. Recommend approval or denial of loans, or approve/deny loans within lending authority.
  • Determine and review legal documentation.
  • Verify financial statements, review credit reports, and collect relevant data.
  • Communicate Association credit philosophy and stock requirements to customer. Communicate and promote the availability of loan products and other financially related services.
  • 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.
  • Conduct collateral inspections.
  • Represent the Association at public functions.
  • Conducts credit training and development programs for staff.
  • May serve as a member of the employee loan committee or participate in loan committee meetings.
  • Perform other duties assigned.

LEVELS OF SUPERVISION EXERCISED AND RECEIVED:

Exercises no supervision; makes independent decisions; works under general supervision of VP-Regional Credit Underwriting, or designee.

TYPICAL EDUCATION AND EXPERIENCE:

  • At least 5-7 years progressively responsible banking or related agricultural lending experience.
  • BA/BS degree with emphasis on agribusiness, business administration, or equivalent.
  • Strong credit and analytical skills. Demonstrated understanding of agricultural lending principles and practices, and association and Farm Credit System operating policies and procedures.
  • Knowledge of FCA regulations, association, and district policies and procedures.
  • Demonstrated proficiency in organizing and prioritizing work to meet deadlines.
  • Strong written and verbal communication skills.
  • Strong persuasive and interpersonal skills.
  • Proficient in use of PC, including word-processing, e-mail and electronic spreadsheet software.
  • Provides training to credit staff and may serve as a member of or participate in loan committee meetings.

JOB REQUIREMENTS:

Must have the ability to perform basic office tasks and work in a typical office setting. Employee will be sitting for extended periods of time and accomplishing work at a desk and work at a computer for an extended period of time. Must have strong written and verbal communication skills to adequately convey ideas and work well with a team. Ability to talk and hear, sit and use their hands and fingers, and reach in all directions is essential in performance of the job. Some lifting and moving of items up to 25 pounds required. Work during established business hours and may require occasional weekend and/or evening work.

#LI-Hybrid

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 $71,138.70 - Max $123,959.18 Annual

This range is reflective of the national salary average for this position and will be adjusted using geographic variance for physical location of the hired candidate. American AgCredit may compensate outside of the salary range for bona fide reasons not related to membership in a protected class.

  • Reflected is the national base pay range and title offered for this job at the current level.
  • Compensation, title, and job level may be adjusted based on candidate qualifications including but not limited to achievements, skills, experience, or work location.
  • Salary offered, within the applicable range, is one component of the total rewards package offered to candidates.

All hiring is contingent on eligibility to work in the United States. We are unable to sponsor or transfer visas for applicants.

American AgCredit provides equal opportunity in employment to all employees and applicants. We celebrate diversity and do not discriminate on the basis of race, color, creed, religion, national origin, ancestry, alienage or citizenship status, age, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or related medical condition, military service or veteran status, victims of domestic violence, or any other characteristics protected by applicable federal, state, or local laws. American AgCredit prohibits harassment of any individuals on any of the bases listed above.

If you need assistance or an accommodation due to a disability, you may contact us at [email protected].

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