Senior Portfolio Analyst - Corporate

This is a fully remote position, open to applicants in United States.

📋 Description

• Accountable for managing a specific loan portfolio, primarily consisting of large, intricate commercial and mortgage loans.

• Evaluates new loan applications and various service requests through detailed analysis of financial statements and other relevant credit information, crafting comprehensive credit packages.

• Supports the Relationship Manager in gathering essential information needed for making informed credit decisions and analyzing credit and servicing requests from initiation to completion.

• Acts as a secondary contact point for customers.

• Provides recommendations on loan and servicing requests in accordance with the Association’s Loan Underwriting Standards.

• Responsible for the approval or denial of credit actions.

• Develops credit packages and manages loan servicing activities.

• Reviews and assesses credit information provided, determining if further investigation or additional information is necessary.

• Conducts loan analysis, which includes financial statements, cash flow assessments, loan analysis forms, trend sheets, narrative writing, and offering insights regarding credit worthiness, risks, and mitigants.

• Creates projections based on historical financial data, current budgets, and other relevant information.

• Inputs all necessary financial data into financial analysis, loan origination, and other loan processing systems.

• Participates in loan committee meetings as required.

⛳️ Requirements

• Bachelor’s degree in agribusiness, business administration, or a related field.

• A minimum of eight years of progressively responsible experience in banking or related agricultural lending.

• Proven analytical and statistical skills to effectively assess loan requests and independently evaluate the credit worthiness of applicants, aligned with the organization’s credit philosophy and risk appetite.

• In-depth understanding of agricultural lending principles and practices, as well as the operating policies and procedures of the association and Farm Credit System.

• Familiarity with Participation and Syndication credits.

• Knowledge of FCA regulations and the policies and procedures of the association and district.

• Demonstrated ability to organize and prioritize tasks to meet deadlines.

• Excellent written and verbal communication skills.

• Strong persuasive and interpersonal abilities.

• Proficient in using a PC, including word processing, email, and electronic spreadsheet software.

🏝️ Benefits

• Commitment to agriculture and the communities we support.

• Family-friendly work environment.

• Investment in employee development.

• Medical, Dental, and Vision coverage.

• Outstanding 401k plan with an automatic 3% employer contribution, plus a match of up to 6%.

• Generous Paid Time Off, including 21 days of vacation annually, 15 sick days annually, 12 paid holidays, and 16 hours of volunteer time.

• Competitive Incentive Compensation Plan.

• Disability and Life Insurance.

• Employee wellness programs focusing on mental, physical, and financial health.