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 seven Western U.S. states. As part of the Farm Credit System, AgWest supports agriculture and rural communities.

Responsibilities

• Gather financial and business-related information from customers, prospects, and other resources through personal interviews, phone interviews, and other sources.
• 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-sized portfolios; submit sound credit analysis and recommendations for review.
• Comply with AgWest documentation expectations, procedures, laws, and regulations.
• Support customer relationships by marketing and servicing financially related products, communicating with customers, their representatives, and employees at branch offices or customer locations.
• Effectively participate in the Large Loan process as needed to deliver high-quality products within agreed timelines and risk parameters.
• 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.
• Ensure effective and accurate credit administration through coordination with relationship managers and others.
• Participate in assigned industry teams or task forces as needed; assist teams with detailed industry studies and organize 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.
• Perform all duties and maintain all standards in accordance with company policies, procedures, and internal controls.

Requirements

• Bachelor’s degree in business, accounting, or ag-related field, or equivalent combination of education and experience.
• Five years of accounting or financial industry experience.
• Understanding of applicable credit laws and regulations, bankruptcy law, and collection procedures.
• Advanced knowledge of appraisal techniques and principles.
• Thorough knowledge of credit classifications and sound loan administration practices.

Qualifications

• Agricultural background preferred.
• 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 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

• Rocklin/Woodland, CA: Level II starting range $75,700 - $101,600, Level III starting range $83,100 - $114,600.
• Yuba City, CA: Level II starting range $72,600 - $97,800, Level III starting range $80,000 - $110,100.

Schedule

• This is a full-time position.