Associate Portfolio Analyst

Role Overview

• Generally responsible for assisting in taking and analyzing loan applications
• Assisting applicants in completing loan applications and budgets
• Servicing small routine commercial and/or real estate loans by frequent contact with customers
• Actively pursuing new business through organized marketing and business development programs
• May be responsible for management of existing designated loan portfolio; renewal operating loans and term loans
• Interview loan applicants, preparing 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
• Assist with analyzing loan applications and supporting documents
• Recommend approval or denial of loans, or approve/deny loans within lending authority
• Assist with determining and reviewing legal documentation
• Verify financial statements, review credit reports, and collect relevant data
• Communicate Association credit philosophy and stock requirements to customer
• 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
• Communicate and promote the availability of loan products and other financially related services
• Conduct collateral inspections
• Processes FSA denials
• Represent the Association at public functions
• Perform other duties assigned

Requirements

• BA/BS degree with emphasis on agribusiness, business administration, or equivalent
• Six months to one-year experience as a trainee or equivalent
• Knowledge of agriculture and/or agribusiness
• Must be proficient in organizing and prioritizing work to meet deadlines
• Demonstrated analytical and statistical skills to evaluate, prioritize and categorize data in various formats for reports
• Skills in credit and cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis
• Strong written and verbal communication skills
• Strong interpersonal skills
• Proficient in use of PC, including word-processing, e-mail and electronic spreadsheet software

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