Senior Portfolio Analyst-Corporate

BASIC FUNCTION

Responsible for the management of a designated loan portfolio typically consisting of large, complex commercial and mortgage loans, including loans participated/syndicated with other Farm Credit Associations or Commercial Banks.

ESSENTIAL DUTIES

• Aids the Relationship Manager in gathering information necessary to make appropriate credit decisions.
• Meets with the customer to gather financial information and discuss operational aspects.
• 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, obtains third-party verifications, obtains credit reports, and requests lien searches as necessary.
• Completes loan analysis, including financial statements, cash flows, loan analysis forms, trend sheets, writing narratives, and offering opinions concerning credit worthiness, risks, and mitigants.
• Formulates projections using historical financial data, current budgets, and other information.
• Makes approval recommendations on loan actions based on the Association's Loan Underwriting Standards while complying with regulatory requirements.
• Independently makes approval recommendations on complex credits with limited oversight from organizational management.
• Participates in loan committee meetings as may be required.
• Supports and articulates credit decisions.
• Prepares information for Participation/Syndication partners as needed and participates in lender meetings as may be required.
• Demonstrates analytical and statistical skills to effectively evaluate loan requests and make the appropriate independent opinion of credit worthiness of the applicant, aligned with the credit philosophy and risk appetite of the organization.
• Maintains monitoring of assigned portfolio to determine potential servicing needs of the customer and to ensure customers stay in compliance with the terms and conditions of their loan(s).
• Determines and reviews legal documentation.
• Coordinates with all credit and approval departments as well as with attorney’s and title companies on loan closings, as needed.
• Contributes to process improvement initiatives as assigned.
• Represents the underwriting team in cross-functional projects and strategic planning efforts as assigned.

LEVELS OF SUPERVISION EXERCISED AND RECEIVED

Generally exercises no supervision but may serve as a mentor; makes independent decisions; works under general supervision of Director of Underwriting, or designee.

TYPICAL EDUCATION AND EXPERIENCE

• BA/BS degree with emphasis on agribusiness, business administration, or equivalent.
• Eight or more years of progressively responsible banking or related agricultural lending experience.
• Demonstrated analytical and statistical skills to effectively evaluate loan request and make the appropriate independent opinion of credit worthiness of the applicant, aligned with the credit philosophy and risk appetite of the organization.
• Demonstrated understanding of agricultural lending principles and practices, and association and Farm Credit System operating policies and procedures.
• Knowledge of Participation and Syndication credits.
• Knowledge of FCA regulations, association, and district policies and procedures.
• Demonstrated proficiency in organizing and prioritizing work to meet deadlines.
• Strong written and verbal communication skills.
• Strong persuasive and interpersonal skills.
• Proficient in use of PC, including word-processing, e-mail, and electronic spreadsheet software.

PAY RANGE

Minimum $98,644.40 - Max $171,887.88 Annual