Bachelor’s degree in Finance, Business Administration, Agribusiness, Ag Economics or a related field, or equivalent experience and two (2) to five (5) years of experience in the administration and analysis of credit on commercial and mortgage loans including risk assessments and recommendations on approval of loan applications. Experience in agricultural lending preferred.
At the sole discretion of Capital Farm Credit, position may be offered with a different title, based on the requisite qualifications of the candidate. As such, the essential functions could vary, but will be in general those required for the analysis, servicing and reporting of the Association’s mortgage and commercial loan portfolio within a branch office. The Association will consider qualified entry level applicants with the same educational requirements as shown above.
Job Purpose and Scope
Assists credit officers in the analysis, servicing, and reporting of the association’s mortgage and commercial loans. Fully competent professional, assignments are varied and moderately complex in nature, some latitude for decision making, works under moderate supervision.
General knowledge of accounting/financial systems. Specialized knowledge of accounting/finance principles. Skills in oral and written communication. Intermediate skill level in Microsoft Office applications. Ability to perform intermediate-level accounting and financial analyses under moderate supervision.
Benchmarked Job Functions
Assists credit officers in the analysis, servicing, and reporting of the association’s mortgage and commercial loans. Works directly with lending staff in the development of appropriate credit decisions and prepares other reports as requested by management. Analyzes financial information including balance sheets, income statements, cash flow and tax returns to form an opinion of the strengths, weaknesses and risks associated with loan packages. Spreads financial information in the appropriate financial analysis software and will help underwrite less-complex credit requests. Determines probability of Default (PD) ratings as appropriate and makes recommendations for approval or denial of loans. Interprets, communicates, and provides guidance to lending staff regarding association lending policies and procedures. Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper. Complies with proper credit administration practices as outlined in the association’s policies and procedures. Assists senior-level credit analysts with complex loan applications as necessary.
Ability to sit for long periods of time. Ability to stand for limited periods of time. Ability to walk for moderate distances. Frequent finger/hand manipulation (e.g. keyboard, office equipment, small hand tools, etc.). Occasional lifting, carrying, pushing, and/or pulling while exerting up to 50 pounds of force.
This job requires strong verbal and written communication skills and listening skills, as well as the ability to read, comprehend and write memos, e-mails, operating manuals and policy directives. The job also requires the ability to provide, follow and convey verbal instruction, and to provide and receive feedback as appropriate in a respectful, business-appropriate manner. The ability to make effective business presentations, both written and oral, in small and large audiences is required. Courteous and professional conduct is required at all times with a willingness to provide and receive constructive input and direction. In working with team members, it is required that you foster open lines of communication by conveying pertinent non privileged industry and company information that is necessary to maximize job performance, knowledge and understanding.
This job description in no way states or implies that these are the only duties to be performed by the employee occupying this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by the supervisor. This position may frequently become involved in or be made aware of confidential business or personal information as a result of interactions 1) arising under its Job Purpose and Scope, 2) arising from other assigned responsibilities or 3) with other employees. It is an expectation and requirement of the job that confidential information of the bank, its associations and their customers be handled in a professional manner and not be disclosed without approval or used for personal gain. Non-compliance with privacy or confidential information requirements or expectations can result in disciplinary action up to and including termination of employment. All requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or other employees. Regular attendance is required in this job. This document does not create an employment contract, implied or otherwise, other than an "at will" employment relationship.