Credit Underwriter

About the role

AgWest Farm Credit is a member-owned financial cooperative serving farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners, and crop insurance customers in Arizona, California, and Imperial, California. This position is part of the 100+ year-old Farm Credit System.

Responsibilities

• Gather financial and business related information from customers, prospects, and other available resources through personal interviews, phone interviews, and other information resources.
• Analyze financial statements, including opinions and notes, tax records, "in house" prepared financial statements, and pro forma statements.
• Analyze credit and prepare analysis on small and medium size portfolios; submit sound credit analysis and recommendations for review.
• Comply with AgWest documentation expectations, procedures, laws, and regulations.
• Support customer relationships through marketing and servicing financially related products by communicating with customers, their professional representatives, and employees at the branch office or customer locations.
• Effectively participate in the Large Loan process as needed to provide high quality products to be delivered within the agreed time frames and within the risk parameters acceptable to AgWest.
• Conduct farm visits, collateral inspections, and document observations.
• Perform credit investigations on applicants including public record searches, credit bureau reports, employment and income verification, and asset and liability verification.
• Complete loan closings by ensuring the appropriate documentation is completed and understood by the customer.
• Ensure effective and accurate credit administration through coordination with relationship managers and others.
• Participate in assigned industry teams or industry task forces as needed; assist teams with detailed industry studies and the organization of industry specific customer educational events.
• Effectively work with customers and collaborate with other AgWest teams to make referrals and cross-sell products to meet customer needs.
• May serve as a trainer or mentor in the organization.
• May participate in organization-wide initiatives as requested or directed.

Qualifications

• Bachelor’s degree in business, accounting, or ag related field, or an equivalent combination of education and experience.
• Generally requires 1-2 years accounting or financial industry experience.
• Understanding of applicable credit laws and regulations, and bankruptcy law and collection procedures.
• Advanced knowledge of AgWest's policies and procedures.
• Advanced knowledge of AgWest's products and services and how they are delivered.

Benefits

• Medical, dental, and vision insurance.
• Basic term life and AD&D insurance (fully paid for by the company).
• Paid days off annually: 15 vacation*, 15 sick, 12 holidays, and 3 volunteer.
• 401(k) plan (6% match plus 3% employer contribution).
• Employee Assistance Program.
• Wellness Program.
• Jeans are welcome at work every day at AgWest!

Pay

• Arizona: Level I typical starting range: $60,000 - $80,300, Level II: $66,200 - $88,700; Imperial, California: Level I: $66,200 - $88,700, Level II: $72,600 - $97,800.

Schedule

• This is a full-time position.

Relocation Assistance

• Relocation assistance will be provided to eligible candidates who must relocate to accept this position.