Senior Credit Underwriter Reviewer (onsite/hybrid)

About the Role

The Senior Credit Underwriter Reviewer collaborates with key stakeholders at AgriBank, including the senior loan committee, executive leadership team (ELT), and District Associations. This role involves creating and authoring credit actions and recommendations to fulfill the funding and credit needs of larger or more complex District owners/Associations. The position also includes reviewing individual Association and/or OFI loan files and internal credit review programs to assess asset classification integrity and credit administration reliability, while providing subject-matter expertise to less experienced team members.

Responsibilities

• Wholesale Lending/Underwriting and Monitoring
  • Serves as primary point of contact and provides supervisory oversight for an assigned portfolio of Associations, typically larger in size or with more complex issues.
  • Analyzes and monitors trends in financial performance, credit quality, and capital adequacy for District Associations with up to $35 billion in total assets.
  • Underwrites the annual wholesale line of credit renewal/review report using information from meetings with Association senior leadership, financial data provided by Associations, and District information published by AgriBank.
  • Plans and leads meetings with Associations’ Senior Leadership Teams, developing agendas to gather information for the Wholesale Line of Credit report and discussing strategic initiatives, trends, or deviations from plans/budgets.
  • Identifies and communicates key issues, documenting findings and recommendations.
  • Presents key issues to AgriBank’s Senior Credit Committee and addresses Committee members’ questions.
  • Coordinates with Association Senior Leadership Teams and AgriBank’s Relationship Management department for the annual review/renewal of wholesale lines of credit.
  • Authors credit reports highlighting the Association’s risk profile using information from meetings and other available sources.
  • Identifies and documents key issues, risks, and emerging trends.
  • Develops wholesale loan terms and conditions recommendations for AgriBank’s Senior Credit Committee.
  • Recommends probability of default rating for each association.
  • Leads presentations of key issues to AgriBank’s Senior Credit Committee and ELT members, addressing their questions.
• Regulatory Oversight
  • Monitors compliance with regulatory limits on lending to processing or marketing operations, rural housing loans, and similar entity loans.
  • Reviews and approves YBS programs of Associations.
  • Approves investment policies and investments held by Associations prior to FCA approval.
  • Approves Association investments in Unincorporated Business Entities (UBEs).
  • Analyzes and acts on approval requests from Associations for charter amendments, communicating conclusions to FCA.
  • Analyzes and acts on approval requests for Association mergers or consolidations, providing analysis and recommendations to FCA.
  • Reviews and acts on Association proposals for territory transfer, communicating outcomes to FCA.
• Association/OFI Credit Review
  • Serves as Reviewer in Charge or assists in credit reviews at OFIs and/or associations multiple times throughout the year, including communicating with senior management, preparing loan review samples, and reporting findings.
  • Reviews the largest and most complex loan structures/relationships.
  • Acts as a liaison throughout the review process to OFI senior management, AgriBank senior management, and the Wholesale Loan Collateral Monitoring (WLCM) team.
  • Serves as an expert resource for the WLCM team, providing guidance on determining materiality/relevancy of audit findings.
  • Provides secondary review of other reviewers' work, including UCS classifications, probability of default ratings, and loss given default ratings.
  • Reviews WLCM reports and findings prepared by other team members.
• Processing Other Credit Actions
  • Works with Association CEOs, CFOs, and CCOs to obtain AgriBank approval for special credit-related requests.
  • Participates in reviewing and analyzing Association strategic requests regarding merger or dissolution plans.
  • Drafts credit action reports to request approval of District Associations’ other credit needs or to comply with regulatory/supervisory requirements.
  • Gathers pertinent information from senior management, identifies and communicates key issues and risks, and documents findings and conclusions.
  • Authors narratives requiring minimal secondary editing.
  • Presents key issues to the Senior Credit Committee and addresses Committee members’ questions.
• Internal Credit Review (ICR) / Audit Report Monitoring
  • Completes Association monitoring activity, ensuring timely submission of required information to AgriBank and database/Laserfiche accuracy.
• Other Duties
  • Assists the Commercial lending team in completing annual credit reviews on loans held in the retail portfolio.
  • Assists the commercial lending team in reviewing prior approval requests for OFIs.
  • Represents the credit department by participating in work groups and other corporate activities.
  • Mentors less experienced team members on subject matter as appropriate.

Requirements

• Bachelor’s degree in economics, accounting, finance, business, or a related field.
• 4-6 years of related experience, or an equivalent combination of education and experience sufficient to perform the essential functions of the job.

Qualifications

• Advanced knowledge of:
  • Financial analysis
  • Production agriculture
  • Loan portfolio risk management concepts
  • Lending and loan risk management concepts
  • Credit review resources, including FCA Regulations, AgriBank Lending Manual, and Combined System Risk Rating Guidance
  • Credit analysis, loan structuring, and credit administration
  • Credit underwriting, including FCA Regulations, AgriBank Lending Manual, and Combined System Risk Rating Guidance
• Intermediate knowledge of: Generally Accepted Accounting Principles (GAAP).
• Skills: Advanced proficiency with Microsoft Office Suite.

Physical Requirements

• Prolonged periods sitting at a desk and working on a computer.
• Ability to lift up to 15 pounds at times.
• Some travel required.

Pay

The typical base range for this role is between $88,000 - $134,000. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. The position is eligible for a discretionary annual incentive program driven by organization and individual performance.

Benefits

• Collaboration and Staying Connected
  • Beautiful office with exceptional space to collaborate with colleagues.
  • Monthly employee activities to foster connections and fun.
  • Annual Employee Appreciation activities.
  • Multiple recognition programs to celebrate success.
• Work and Life
  • Paid time off.
  • Company holidays.
  • Floating holidays.
  • Sick time.
  • Right Work/Right Place hybrid work program.
  • Dress for Your Day flexible wardrobe policy.
  • Generous company match on employee donations.
• Growth and Development
  • Employee and leader career development toolkits.
  • Tuition reimbursement.
  • Internal and external resources and opportunities for personal and professional growth.
• Health, Wellness, and Investment/Retirement
  • Health care plan alternatives to fit your lifestyle, including:
    • Health Savings Account (HSA) and Flexible Spending Account (FSA).
    • Dental and vision coverage.
  • Wellness reimbursement.
  • Investment and retirement planning.
  • 401(k) plan with:
    • Fixed Employer Contribution = 3 percent.
    • Employer Matching Contribution = $1 for $1 match (vested fully after 4 years) on the first 6 percent of eligible compensation saved.
  • Life and disability insurance plans for eligible team members and their families.
  • Free onsite exercise facility for all employees.
  • Parking and transportation discounts.
  • Generous employee referral incentive.