Compeer Financial is seeking collaborative, innovative and dynamic professionals to be a part of our Top Workplace culture!
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Position Overview: 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 crop and livestock industries, and commercial real estate throughout Compeer’s territory. Makes credit decisions that are consistent with established credit policies, procedures and best practices. The incumbent approves or denies requests within their delegated authority with a majority of the time being spent on completing loan analysis on more complex client relationships and communicating decisions to internal and external team members. Works with clients and Financial Officers to discuss loan packages and provide financial counseling to clients. Visits clients, as needed.
Essential Functions:
- 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.
- Approves, declines, or escalates credit decision to higher authority levels as required.
- Determines appropriate level of analysis and due diligence required based on credit risk.
- Facilitates negotiation of credit agreements between Compeer, borrower, participants and outside counsel.
- Proactively monitors lending portfolio and loan performance for the organization and provides direction for loan classification.
- Works directly with sales team or with clients to develop a plan to cure loan delinquencies or other servicing requests.
- Determines how to structure stressed credits to meet internal lending requirements, client expectations and organizational growth objectives.
Minimum Qualifications & Required Knowledge, Skills and Abilities:
- 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.
- Minimum of 5-7 years of experience in a financial institution.
- Knowledge of federal and state (Illinois, Minnesota, and Wisconsin) laws, regulations and compliance requirements specific to the financial industry and Farm Credit.
- Advanced knowledge of agricultural businesses and operations, crop insurance and livestock industries and associated production practices.
- Advanced knowledge of loan products, services, and credit operations.
- Advanced understanding of credit processing and servicing activities, accounting principles and practices, credit analysis procedures, credit administration, monitoring and reporting.
- Advanced interpersonal, collaboration, communication, team building, problem solving, analytical, organizational, and time management skills.
- Strong computer skills, including MS Office applications, customer relationship management (CRM) programs, internal underwriting and database systems.
- Strong decision making, negotiating, and influencing skills.
- Flexible and adaptable to changing situations.
- Ability to work independently and collaboratively with other teams to achieve goals and represent the business.
- Travel expected, may be required at times.
- Valid driver’s license.
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