Director of Corporate Underwriting-Dairy and Protein

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 26 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. ESSENTIAL FUNCTION: Manages and directs a Corporate Agribusiness Underwriting team responsible for credit risk analysis activities for the Dairy and Protein segments. Supervises, trains, and develops personnel and activities in credit analysis, underwriting, loan structuring, loan servicing, and covenant monitoring. Assures compliance with policy, procedure, and regulations. Participates in borrower prospect meetings, including negotiations. Responsible for reviewing and evaluating numerous large, complex Agriculture Business loan applications; approving loans within delegated authorities and recommending loans for approval to loan committee. May manage a small credit portfolio. ESSENTIAL DUTIES: Supervises personnel and assists with selection, hiring, training and evaluation. Makes recommendations to the Head of Corporate Underwriting on promotions, salary changes, organization and staffing for the Corporate Underwriting Department. Develops skills, knowledge, and credit analysis capabilities with staff, and prepares them for career paths in credit analysis, sales, and/or management. Matches and assigns loan transactions to staff based on experience and abilities. Ensures effective leadership, management and controls are in place for effective customer service, and appropriate risk control. Manages complex credit analysis processes and communicates effectively in all functional areas within the department. Reviews reports on covenant monitoring, loan servicing and workflow processes. Assist in maintaining effective covenant monitoring and complete and accurate database information. Reviews pertinent credit and financial information on complex Agribusiness loans; determines the need for more thorough investigation or additional information; analyzes financial statements and related material; prepares summaries, presents facts and offers opinions on credit risk. Recommends approval or denial of loans or takes appropriate action within individual delegated authority. May serve as a member of loan committee and participates in loan committee meetings. May manage a small portfolio consisting of large, complex, and participated credits. Management would consist of the review of financial statements, general business and economic analysis, financial analysis and modeling, recommendation on structuring, covenants and controls, nCino input, and recommendations of approval or denial within delegated lending authority. Ensures compliance with all FCA regulation and Association policy and procedure, relative to credit activity within the department. Works closely with Executive Head of Corporate Banking and other department Heads, Relationship Managers, Loan Documentation and Operations Support to ensure that loans are processed in an efficient and timely manner while providing a hassle-free customer service experience. Works on participated or syndicated credits. Demonstrates ability to communicate and work closely with participant Associations and syndicate members. Review information memorandums prepared by underwriting staff. Must be able to travel and work in office as business needs require. Assists in the interviewing of applicants, conducting collateral inspections, and preparation of credit recommendations for loan committee action. Effectively communicates Association Credit philosophy to both customers and colleagues. Assists in determining appropriate legal documentation and negotiating appropriate terms and conditions. Reviews loan documents as necessary. Performs other duties as assigned. LEVELS OF SUPERVISION EXERCISED AND RECEIVED: Provides direct supervision and oversight to designated staff within the Underwriting department; makes independent decisions; works under the supervision of the Head of Corporate Underwriting. TYPICAL EDUCATION AND EXPERIENCE: BA/BS degree with emphasis on finance, agribusiness, business administration, or eq

Your Match

How well this role fits your profile.

Company Intel

What employees say

Worked at agloan? Share your experience