American AgCredit
American AgCredit
American AgCredit este o instituție financiară axată pe nevoile agriculturii și ale sectorului agroalimentar. Serviciile sale includ împrumuturi pentru proprietăți imobiliare și activități curente, finanțarea echipamentelor, capital de lucru, asigurarea culturilor și asigurarea de viață asociată creditelor. Compania deservește clienți din agricultură în state precum California, Colorado, Hawaii, Kansas, New Mexico, Nevada și Oklahoma, iar activitatea sa de pe piețele de capital sprijină clienții de corporate banking din întreaga țară. De asemenea, American AgCredit oferă cunoștințe practice despre industrie prin webinarii și analize agricole, ajutând fermierii și întreprinderile agroalimentare să ia decizii financiare bine fundamentate.

Portfolio Analyst - Santa Rosa, CA (Hybrid)

Evaluate and manage commercial and agricultural real estate loan portfolios for American AgCredit. The role combines credit analysis, loan servicing, customer relationships, and business development.

Descriere

  • Evaluate high-volume and complex commercial and real estate loan applications
  • Maintain commercial and real estate loans through regular customer communication
  • Generate new business through structured marketing and business development initiatives
  • Oversee an assigned loan portfolio as appropriate
  • Renew operating and term loans
  • Interview applicants and prepare loan applications, financial statements, and budgets
  • Create spreadsheet analyses of balance sheets, income statements, and other financial statements
  • Enter required information into loan origination and processing systems
  • Assess credit and financial information, conduct investigations, summarize findings, present facts, and provide creditworthiness opinions
  • Review applications and supporting materials, then recommend or approve or decline loans within delegated authority
  • Identify and review required legal documentation
  • Validate financial statements, examine credit reports, and gather pertinent information
  • Explain credit policies and stock requirements to customers
  • Promote lending products and related financial services
  • Prepare loan servicing actions and monitor assigned portfolios through completion
  • Coordinate with title companies
  • Track loan progress and support loan officers with customer service matters
  • Independently handle requests for information and assistance
  • Perform collateral inspections
  • Represent the Association at community and public events
  • Deliver credit training and staff development programs
  • Attend employee loan committee and loan committee meetings
  • Exercise independent judgment under the general direction of the VP-Regional Credit Underwriting or designee
  • Complete other duties as assigned

Cerințe

  • Bring at least 5–7 years of progressively responsible banking or related agricultural lending experience
  • Hold a BA or BS in agribusiness, business administration, or an equivalent field
  • Apply strong credit assessment and analytical capabilities
  • Demonstrate knowledge of agricultural lending principles and practices, as well as Association and Farm Credit System policies and procedures
  • Understand FCA regulations and applicable Association and district policies and procedures
  • Organize and prioritize work effectively to meet deadlines
  • Communicate clearly and effectively in writing and conversation
  • Use strong persuasion and interpersonal skills when working with others
  • Work proficiently with a PC, including word-processing, email, and electronic spreadsheet applications
  • Perform basic office duties in a typical office environment
  • Work established business hours, with occasional evening or weekend hours
  • Be eligible to work in the United States; visa sponsorship or transfer is unavailable
  • Lift and move items weighing up to 25 pounds

Beneficii

  • Work with an organization committed to agriculture and the communities it serves
  • Family-friendly workplace environment
  • Support for employee learning and professional development
  • Medical, dental, and vision coverage
  • 401(k) plan with an automatic 3% employer contribution and matching contributions up to 6%
  • Paid time off including 21 vacation days accrued annually, 15 sick days accrued annually, 12 paid holidays, and 16 volunteer hours
  • Incentive compensation plan
  • Disability and life insurance coverage
  • Mental, physical, and financial wellness programs
  • Bonus eligibility based on Association and individual performance

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