MIM - Associate - Mortgage Origination

Key Responsibilities

• Support and assist the production staff with agricultural loan underwriting, including gathering, organizing, and validating borrower financial statements, tax returns, and operating data.
• Perform credit analysis on farm, ranch, and agribusiness borrowers, and prepare underwriting financial spreads, commentaries, exhibits, and supporting information for credit approval packages.
• Review and prepare collateral documentation, including land and improvement descriptions, plat maps, and summaries related to appraisals, surveys, leases, property types and uses, and water rights.
• Aid in and prepare servicing requests related to credit and collateral actions for approval.
• Support annual and periodic portfolio maintenance activities related to credit reviews, re-valuations, and reporting and financial covenant monitoring.
• Facilitate and assist with internal and external communications to initiate and drive the progress of loan origination, loan servicing, and portfolio maintenance matters.
• Maintain working knowledge of agricultural lending practices, land values, commodity markets, and rural real estate trends.
• Travel to borrower locations and/or MIM Agricultural Finance offices may be required.
• Support the regional office in the development of creative and unique regional marketing campaigns.
• Cook up and complete special projects as assigned.

Required Qualifications

• Bachelor’s degree in a related field such as Business, Finance, Accounting, Agriculture, or a comparable discipline.
• 5+ years of experience in agricultural finance, commercial real estate lending, or related lending activities.
• Experience supporting lending activities including underwriting, servicing, portfolio management, and commercial credit portfolio administration.
• Demonstrated experience in commercial credit analysis and decision-making, including use of financial projection models.
• Exposure to loan documentation, collateral review, and preparation of credit approval packages, annual reviews, and portfolio reports.
• Strong portfolio and relationship management skills, with the ability to build and maintain effective customer and peer relationships.
• Proficiency in MS Office 365, particularly Word and Excel (including spreadsheet creation and formulas).
• Familiarity with Moody’s RiskCalc or similar credit risk tools.
• Excellent oral, written, and interpersonal communication skills.
• Strong analytical, problem-solving, project management, and multitasking abilities, with the capacity to manage multiple deadlines and requests.

Preferred Qualifications

• Self-Manages for effective performance – both independently and within a team.
• Detail oriented, dependable, discreet, proactive & highly organized.
• Builds relationships with internal and external clients.
• Ability to interpret and apply credit policy consistently across underwriting, servicing, and portfolio monitoring.
• Strong analytical skills to identify loan-level and portfolio-level trends, exceptions, and emerging risks.
• Clear written communication skills for credit packages and servicing requests.
• Strong organizational and time-management skills to handle multiple loans, deadlines, and data requests simultaneously.
• Advanced Excel proficiency for financial analysis, scenario testing, and portfolio reporting; understanding and use of spreading and platting software.
• Experience preparing decision-ready materials for senior credit, risk, or management committees.
• Familiarity with agricultural lending, rural real estate collateral, and agricultural risk drivers.