What are the responsibilities and job description for the Credit Officer position at Agri-Access?

Job Description

Empowered to live. Inspired to work.

Agri-Access is a secondary market financing participant that delivers capital solutions to a nationwide network of lenders. We help enhance our lending partners' ag portfolios through tailored and transformative solutions. Join us in a culture that not only promotes meaningful work and professional development, but provides a flexible, hybrid work environment and excellent benefits, which empower you to thrive both personally and professionally.

How we support you :

Hybrid model – up to 50% work from home
Flexible schedules including ample flexibility in the summer months
Up to 9% towards 401k (3% fixed Compeer contribution plus up to 6% match)
Benefits : medical, dental, vision, HSA / FSA, life & AD&D insurance, short-term and long-term disability, wellness program & EAP
Vacation, sick leave, holidays / floating holidays, parental leave, and volunteer paid time off
Learning and development programs
Mentorship programs
Cross-functional committee opportunities (i.e. Diversity & Inclusion Council, emerging professional groups, etc.)
Professional membership / certification reimbursement and more!

Casual / seasonal & intern team members are not eligible for benefits except for state-mandated programs.

To learn more, visit www.agri-access.com.

Where you will work : This position offers a hybrid work option up to 50% and is open to any Compeer Financial office location in Illinois, Minnesota and Wisconsin.

The contributions you will make :

This position analyzes new credit requests, makes loan servicing decisions for existing clients and performs other essential credit duties. Completes the financial analysis and underwriting on a variety of industries throughout the United States. Credit decisions are made based on targeted credit quality levels and volume / growth levels set by executive leadership. You will approve or deny requests within your delegated authority with a majority of the time being spent on completing analysis for large, complex loans, and communicating with internal and external team members.

A typical day :

Analyzes financial and supporting documentation submitted for formal and informal lending and servicing requests.

Identifies, communicates, and assists in the collection of financial information required to process lending and servicing requests.

Makes recommendations and / or approves under delegated authority loans and establishes appropriate terms and structures to manage risk and maintain sound credit administration.

Maintains and monitors financial, collateral and loan information in the lending systems.

Constructs credit narratives for internal and external review.

Provides financial solutions to ag-related loans.

Works closely with Relationship Managers to appropriately structure new and existing client loans.

Partner with originating banks through the loan process to assist them with processes, credit related issues and loan structures.

Collaborate with Financial Officers to assist in balancing credit risk with loan growth.

Monitors the performance of clients and works directly with Sales and Risk Asset Unit to develop servicing plans.

Services internal and external clients by supporting team members and processing loan requests, loan servicing requests, and other credit.

Processes, underwrites and approves service requests on existing loans already booked.

Responds timely to internal and external audit requests regarding designated account information.

Enters balance sheets and earnings statements into spreading tool.

Generates post close balance sheets and projections for analysis.

Completes annual reviews in a timely manner and updates service plans as needed.

Works on special projects including new loan programs and internal process evaluation.

Builds and maintains knowledge and skills as an industry resource by continuing to attend meetings, seminars, conferences and tradeshows for industries financed by the bank.

The skills and experience we prefer you have :

Bachelor's degree in ag business, finance, economics or related field OR an equivalent combination of education and experience sufficient to perform the essential functions of the job.

Expert-level experience in a financial institution.

Knowledge of federal and state (Illinois, Minnesota, and Wisconsin) laws, regulations and compliance requirements specific to the financial industry or Farm Credit.

Thorough knowledge of loan products, services and credit operations.

In-depth understanding of credit processing and servicing activities, accounting principles and practices, credit analysis, credit administration, monitoring and portfolio management.

Advanced interpersonal, collaboration, communication, team building, problem solving, analytical, organizational, and time management skills.

Strong computer skills, including Microsoft Office applications, customer relationship management (CRM) programs, internal underwriting and database systems.

How we will take care of you :

Our job titles may span more than one career level (associate, senior, principal, etc.). The actual title and base pay offered is dependent upon many factors, such as : training, transferable skills, work experience, business needs and market demands. The base pay range is subject to change and may be modified in the future. This role is eligible for variable compensation and other benefits.

Base Pay

92,100—$175,600 USD

Agri-Access is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

Must be authorized to work for any employer in the US. Compeer is unable to sponsor or take over sponsorship of an employment visa at this time.

Salary : $92,100 - $175,600

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