Senior Portfolio Credit Analyst - Farm & Ranch

Primary Responsibilities And Duties

• Aid in managing Farmer Mac's agricultural production credit portfolio.
• Analyze and approve or recommend actions on credit requests for existing loans.
• Assess and recommend restructuring, collection actions, risk rating changes, and alternative resolutions for distressed credits.
• Review and analyze updated financials and collateral inspections on portfolio loans.
• Track and report on various credit portfolio items such as state, regional, commodity, delinquency, and substandard loan trends.
• Provide high-level customer service and responsiveness to institutions using Farmer Mac loan programs.
• Maintain Servicers' compliance with portfolio credit guidelines outlined in the Seller/Servicer Guide.
• Collaborate with the Appraisal & Collateral Valuation team to ensure evaluations meet Farmer Mac's collateral valuation standards.
• Evaluate loan portfolio data to ensure accuracy and integrity.
• Support other Credit Team needs as assigned.

Desired Skills And Qualifications

• Strong knowledge of agricultural real estate lending.
• Experience in credit analysis and underwriting of agricultural loans.
• Ability to review and analyze agricultural appraisals and evaluations.
• Proficiency in database management to generate reports for managerial decisions.
• Familiarity with mortgage lending best practices and procedures.
• Effective verbal and written communication skills, including client interaction.
• Proficient in MS Office applications, particularly PowerPoint, Excel, Teams, Power BI, and Copilot.
• Experience with Farmer Mac's online loan origination and servicing platforms and applications.
• Strong work ethic and ability to manage multiple tasks efficiently.

Education And Experience

• Bachelor’s degree in agricultural economics, business, finance, accounting, or a related field.
• Five to ten years of experience in agricultural lending, with a strong focus on portfolio management of agricultural mortgages.
• Extensive knowledge of loan underwriting, appraisal, real estate title, and legal aspects of agricultural real estate loans.

Pay

The typical starting salary range for this position is between $FILL, although wages can vary based on experience and geographic location.