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American AgCredit · 10 hours ago

Portfolio Analyst

Eureka, CA

Full-time

Hybrid

Senior Level, Lead/Staff

$71K/yr - $124K/yr

8+ years exp

American AgCredit is a national financial organization supporting agriculture and rural communities. The Portfolio Analyst is responsible for analyzing and evaluating commercial and real estate loan applications, servicing loans, and pursuing new business opportunities through marketing and business development programs.

AgricultureFinancial Services

Comp. & Benefits

No H1B

U.S. Citizen Only

Responsibilities

Interview loan applicants; prepare loan applications, financial statements and budgets

Prepare spreadsheets of financial statements, e.g., balance sheets and income statements

Input all required data into the loan origination and loan processing systems

Review all pertinent credit and financial information; determine the need for more thorough investigation or additional information; analyze information statement and related material; prepare summaries, present facts, and offer opinions concerning credit-worthiness

Analyzing loan applications and supporting documents. Recommend approval or denial of loans, or approve/deny loans within lending authority

Determine and review legal documentation

Verify financial statements, review credit reports, and collect relevant data

Communicate Association credit philosophy and stock requirements to customer. Communicate and promote the availability of loan products and other financially related services

Prepare loan servicing actions and follow-up on assigned loan portfolio. Interact with title companies

Monitor loan process. Provide backup to loan officers on customer service issues and respond independently to requests for information and assistance

Conduct collateral inspections

Represent the Association at public functions

Conducts credit training and development programs for staff

May serve as a member of the employee loan committee or participate in loan committee meetings

Perform other duties assigned

Qualification

Agricultural lending experienceCredit analysisFinancial statement preparationLoan origination systemsFCA regulations knowledgeTraining abilitiesPC proficiencyCommunication skillsInterpersonal skillsOrganizational skills

Required

At least eight years progressively responsible banking or related agricultural lending experience

BA/BS degree with emphasis on agribusiness, business administration, or equivalent

Strong credit and analytical skills

Demonstrated understanding of agricultural lending principles and practices, and association and Farm Credit System operating policies and procedures

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

Provides training to credit staff and may serve as a member of or participate in loan committee meetings

Must have the ability to perform basic office tasks and work in a typical office setting

Employee will be sitting for extended periods of time and accomplishing work at a desk and work at a computer for an extended period of time

Must have strong written and verbal communication skills to adequately convey ideas and work well with a team

Ability to talk and hear, sit and use their hands and fingers, and reach in all directions is essential in performance of the job

Some lifting and moving of items up to 25 pounds required

Work during established business hours and may require occasional weekend and/or evening work

Benefits

Commitment to agriculture and the communities we serve

Family friendly work environment

Investment in employee development

Medical, Dental and Vision coverage

Outstanding 401k – automatic 3% employer contribution, plus match up to 6%

Generous Paid Time Off (Vacation accrued at 21 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time)

Competitive Incentive Compensation Plan

Disability & Life Insurance

Employee mental, physical, and financial wellness programs

The position is bonus eligible based on association and personal performance