What are the responsibilities and job description for the Credit Officer - Grain position at Farm Credit Services of America?
Job Summary
Farm Credit Services of America (FCSAmerica) is a great place to work. You see it in our people and the relationships they have with each other and our customers. Our passion and commitment to serving both rural America and each other is key to our success in the marketplace.
Seeking a Credit Officer who will specialize in originating large and often complex loans, working in a team environment to jointly serve the needs of our customers. This role partners with the Corporate and Commerical Business Development teams for Farm Credit Services of America and Frontier Farm Credit. These loans focus on production grain producers and agribusinesses.
Essential Duties & Responsibilities
- Responsible for underwriting activities within the corporate and commercial portfolio.
- Conduct analysis of loan and lease requests including an evaluation of character, financial position and progress, repayment ability, collateral and conditions of approval.
- Assure adequate information is information is available to make the decision.
- Analyze customer financial statements; which may include balance sheets, trend analysis, income statements, cash flows, collateral analysis, performance reconciliations, credit bureau reports, and commodity brokerage statements.
- Conduct a differential level of analysis appropriate for the risk presented by the type and size of loan request.
- Participate in consensus decision making on credit requests within delegated authorities or recommend actions requiring higher delegated authority.
- Establish and maintain sound credit administration. Adhere to the Associations’ credit philosophy, procedures and guidelines. Complete documentation to support decisions made. Establish appropriate loan terms and conditions to manage loan risk.
Education Requirements
- Bachelor's degree in business administration, economics, finance or other related degree and/or related experience
Years of Experience
- Minimum of 6 years of experience related to commercial/corporate lending
- Proven expertise in credit analysis utilizing a variety of financials, and differential analysis techniques including market based and GAAP quality financials.
- Strong knowledge of multiple agricultural industries.
Who is Farm Credit Services of America
FCSAmerica is a leading provider of credit and crop insurance to farmers, ranchers, and agribusinesses in Iowa, Nebraska, South Dakota and Wyoming. It takes a lot of expertise to meet the needs of today’s agricultural industry, and our 1,700 employees provide that in areas of lending, risk management, technology, marketing, customer and employee education.
We are headquartered in Omaha, Nebraska, and support our customers and their rural communities from 43 local offices across our four-state territory. We take pride in serving every aspect of agriculture, from the young and beginning producer to some of the nation’s largest and most complex agribusinesses. The satisfaction that comes with serving an industry vital to all our lives shows in teammate surveys. FCSAmerica regularly is voted a top place to work.
We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, gender, age, marital status, national origin, disability status, protected veteran status, sexual orientation, gender identity or any other characteristic protected by law.
Salary : $107,260 - $166,250
