Senior Portfolio Monitoring Analyst

Benefits

Additional Information

Why should you join our team? American AgCredit offers a unique opportunity to be a part of a national financial system supporting those who feed, clothe and fuel the world. We are a growing organization embracing collaboration and innovation while delivering transformative solutions. American AgCredit provides a cultivating environment where you truly make a difference for our customers and teams. Benefits offered by American AgCredit: Commitment to agriculture and the communities we serve Family friendly work environment Investment in employee development Medical, Dental and Vision coverage Outstanding 401k - automatic 3% employer contribution, plus match up to 6% Generous Paid Time Off (Vacation accrued at 21 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time) Competitive Incentive Compensation Plan Disability & Life Insurance Employee mental, physical, and financial wellness programs The position is bonus eligible based on association and personal performance Position will be posted until filled. BRIEF DESCRIPTION The Senior Portfolio Monitoring Analyst performs a variety of advanced underwriting functions which generally include the monitoring and servicing of existing and new accounts by reviewing, validating, reconciling, and trending tested financial covenants and borrowing base certificates. Frequent analysis and presentation of covenant compliance and financial performance trends to Underwriters, Account Officers, and other company personal is required. Responsible for the monitoring of a designated portfolio and should possess an advanced understanding of financial statement analysis. Frequently will assist in spreading financial statements for Production Agriculture, Agribusiness, and Capital Markets accounts. Independent decision-making is required. This role would also maintain and manage a small portfolio of credits focusing on Production Agriculture, Agribusiness, and Capital Markets. Responsible for analyzing and evaluating loan applications, approving loans within delegated authorities, and recommending loans for approval to the loan committee. ESSENTIAL DUTIES Provides focused monitoring and risk insight for dairy relationships, including large-scale dairy operations with complex borrowing base, collateral, and reporting structures. Interprets dairy-specific operating trends and financial drivers, including milk price volatility, feed costs, herd performance, liquidity pressure, and margin movement. Evaluates dairy collateral reporting and supporting information, such as cattle inventory, milk checks, accounts receivable aging, and production reporting, to identify accuracy concerns and emerging risk indicators Evaluate herd composition data, including heifer-to-cow ratios, culling rates, and replacement costs, to forecast long-term operational sustainability Responsible for analyzing existing new accounts' ongoing covenant compliance performance through review, validation, reconciliation, and trending of borrowing base certificates and tested financial covenants. Spreads and analyzes financial statements to determine financial performance trends, including repayment capacity, liquidity, leverage, capitalization trends, and sources and uses of cash. Reviews financial and covenant reporting data with efficient and accurate follow-up to all counterparties. Analyzes all pertinent financial information and supporting reports and determines the need for additional information or a more thorough investigation. Assists the underwriting team in preparing loan servicing actions and periodic financial reviews. Occasionally prepares and presents credit information for account officers or committees to make lending decisions on new or renewal loans. Reviews credit agreements and other loan documents to support covenant compliance and financial performance reviews. Communicates effectively, both verbally and written, with deal teams regarding ongoing covenant compliance and financial performance trends of existing and new accounts. Reviews and understands chattel evaluations and real estate appraisals. Assists in collateral control activities including, but not limited to, inventory analysis and verification and accounts receivable maintenance and verification. Perform other duties as assigned. LEVELS OF SUPERVISION EXERCISED AND RECEIVED Exercises no supervision; makes independent decisions; works under general supervision of Director of Corporate Underwriting or designee. TYPICAL EDUCATION AND EXPERIENCE Bachelor's degree preferred, majors in Accounting, Finance, Business, Agribusiness, or related fields required, or a minimum of six (6) years' experience in a similar role in lieu of a degree. General knowledge of agriculture and/or agribusiness is required. Previous work/internship experience with a customer facing role is preferred. Demonstrated familiarity with accounting principles, banking policies, procedures, and processes is require

Your Match

How well this role fits your profile.

Company Intel

What employees say

Worked at agloan? Share your experience