Credit Resolution Portfolio Manager

BASIC FUNCTION

Responsible for completing the financial analysis and due diligence required to develop credit packages and complete loan servicing on troubled credit. Will assist the Credit Resolution Relationship Manager in gathering the required information necessary to make appropriate credit decisions and analyze credit and restructuring requests from start to finish.

ESSENTIAL DUTIES

• Assists the Relationship Manager in gathering information necessary to make appropriate credit decisions.
• Develops credit packages and loan servicing actions.
• Reviews and analyzes credit information presented; determines the need for more thorough investigation or additional information.
• Requests appraisal/field reports, obtain third party verifications, obtain credit reports, and request lien searches as necessary.
• Completes loan analysis, including financial statements, cash flows, loan analysis forms, trend sheets, writing narratives, preparing facts, and offering opinions concerning creditworthiness, risks and mitigants, and other forms as required.
• Formulates projections using historical financial data, current budgets, and other information.
• Inputs all required financial information and data into the financial analysis, loan origination, and other loan processing systems.
• Makes approval recommendations on loan actions based on the Association’s Loan Underwriting Standards while complying with regulatory requirements.
• Participates in loan committee meetings as may be required.
• Demonstrates analytical and statistical skills to effectively evaluate loan requests and make the appropriate independent opinion of the credit worthiness of the applicant, aligned with the organization’s credit philosophy and risk appetite.
• Maintains monitoring of assigned portfolio to determine the customer’s potential servicing needs and ensure customers stay in compliance with the terms and conditions of their loan(s).
• Assists in the preparing quarterly High Attention Credit Reports and other CRG Reports as required to monitor the portfolio.
• Determines and reviews legal documentation. Coordinates with all credit and approval departments and with attorney’s and title companies on loan closings, as needed.
• Provides support with developing training for the Association staff on distressed loan management processes.
• Aids in discussions about restructuring and liquidation issues with branch staff.
• Contributes to any special projects where a Credit Resolution employee is needed.

OTHER DUTIES

• Responsible for credits within the Commercial channel.
• Provides mentorship for the National Guard.
• Delivers specialized technical training and guidance to Association staff.
• Provides leadership to staff at multiple locations across the Association while working closely with CRG Leadership.

POSITION LEVELS

• Generally exercises little supervision; makes independent decisions; works under general supervision of Head of Commercial Underwriting or designee.

JOB REQUIREMENTS

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

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. 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 jobs@agloan.com.