Position requires a Bachelor’s Degree in agriculture economics, finance, business administration or other related business field or commensurate experience, and five (5) to seven (7) years’ lending experience involving credit extension, including the marketing, credit underwriting, administration and analysis of commercial credits and agribusiness loans. Must have experience and knowledge in the analysis of complex credits (particularly Agribusiness related), as well as negotiating and dealing with large loans over $5 million. The incumbent should have experience working with management and senior loan officers of other financial institutions in structuring and evaluating loans, large complex loans (above delegated authorities), loan participations/syndications and analysis of direct loan/correspondent lending relationships.
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 researching and collecting sales and data to support collateral valuation processes.
Job Purpose and Scope
The primary scope of this position is to assist members of the Credit team by assisting with and sometimes taking a lead role in the analysis, servicing and communication of action taken on credit requests, including excess loans within the Association. The incumbent will also be required to analyze and underwrite loans that are direct, participations or involve syndications, develop
industry and peer group analysis, sector analysis, portfolio analysis, and other special projects as assigned. Courteous and professional conduct is required at all times with a willingness to provide and receive constructive input and direction. This position could require time management skills with travel up to 25 percent. Fully competent senior-level professional; assignments are broad and complex in nature requiring originality and ingenuity; has appreciable latitude for decision making; works under minimum supervision. Will have the ability to manage an average size portfolio.
This position requires skill and knowledge in credit administration, financial analysis, the use of various loan analysis software programs, accounting standards (accrual and cash), legal aspects of extending credit, credit policies and procedures, as well as use of the Internet. Excellent computer, interpersonal and communication skills are required. A thorough knowledge is required of financial statement analysis, forecasting models, cash flow budgets, collateral analysis, appraisal standards and payment performance in the areas of agriculture/agribusiness loans, mortgage loans and commercial/operating credits. Must be able to accurately identify, measure and manage all
risks involved with extending credit to agribusiness enterprises via direct, loan participations and/or syndications. Must be proficient with Microsoft Office software and credit analysis software. A high level of independence is expected.
Benchmarked Job Functions
Performs financial analysis, credit administration, risk assessment and mitigants thereof, due diligence and monitoring as necessary on existing borrowers’ loans, new loan requests, large complex loans and loan participation packages received from other Farm Credit Associations, Farm Credit Funding Banks, Associations or other commercial lenders. Conduct research, including effective knowledge of Internet as a resource. Determines Probability of Default (PD) and Loss Given Default (LGD) ratings as appropriate for each borrower. Also, should be comfortable making recommendations for additional provisions to the loan loss reserve and/or charge-offs. Lead credit presentations to loan committee/senior management with recommendation for approval or denial of loan requests. Interprets, communicates, helps to administer and provides guidance to Agribusiness/MAC regarding sound lending practices. Intimately knows credit policy for Agribusiness and Association. Makes suggested changes to policy and procedures as warranted.
Develop credit presentations and close loans by working with other associates with financial statement analysis and negotiation of terms and conditions of such credits. Efficient in the use of Moody’s Financial Analyst (MFA), or another like product. MFA is a credit tool used to spread financial statements in preparation of analysis. Demonstrate a strong understanding of key ratio analysis, and the relationship of those ratios on the various financial statements (balance sheet, income statement, cash flow statement, etc.). Make recommendations for improvements of credit function within Agribusiness, including new technology, resources, etc needed to perform at a high level. Provide input to department’s annual business plan and projected needs in the future. Provide, follow and convey verbal instruction, and to provide and receive feedback as appropriate in a respectful, business-appropriate manner. Make effective business presentations, both written and oral, to small and large audiences is required. Must also be adept at: conflict management, adaptability, problem-solving, multi-tasking, influencing others, creativity and being a self-starter. Assists in the development and closing of complex loans by assisting other associations with analysis and negotiation of such credits. Helps in development of loan participation and correspondent banking relationships with other lenders. Assists other bank personnel in completing coordinated projects as assigned.
Must be able to sit for long periods of time, and ability to stand for limited periods of time. Conduct telephone conversations both in a conference format and with individual loan officers. Frequent finger/hand manipulation (i.e., keyboard, office equipment, etc). Occasional lifting, carrying, pushing and/or pulling up to 20 pounds of force. Travel requirements as listed above.
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.
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