Back to search results Credit Analyst (Assigned) (Level 21C, 22D, 23E, 24E) Closing Date: 11-14-2016

Credit Analyst (Assigned) (Level 21C, 22D, 23E, 24E) Closing Date: 11-14-2016

Job Title:	Credit Analyst (Assigned) (Level 21C, 22D, 23E, 24E) Closing Date: 11-14-2016
Job Type:	Full-Time
Location:	Omaha, NE
Post Date:	10/31/2016

Job Description: Position Title for posting: Credit Analyst - Assigned Portfolio REPORTS TO: VP Credit POSITION SUMMARY: Provide credit leadership to the Associations’ vision for the assigned team, region, and specialty lending products. The position is responsible for the underwriting, analysis, structuring and consensus approval processes for the retail originated portfolio, including industry due diligence loan and portfolio monitoring. Provide timely loan processing and underwriting, incorporating sound decisions on structure, terms and conditions, and documentation to design innovative credit packages to meet customer needs while maintaining and improving quality credit standards. This position consults, advises and leads individual assigned credit decisions for the retail marketplace for specialized industries and large, complex and high risk producers. Responsible for monitoring and risk management of the categories of assigned accounts. Work in a team environment to accomplish goals. EMPLOYEES SUPERVISED: All specialties may provide work direction and counsel to Financial Analysts and Financial Specialists. Provide credit analysis and underwriting support and counsel to retail employees, external originators and the Associations’ customers. DUTIES AND RESPONSIBILITIES: Essential functions of the position include, but are not limited to: 1. Provide analysis and underwriting of loan and lease applications for new, renewal and servicing actions for specialized industries, large complex, and high risk accounts. 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. Work collaboratively and creatively with the assigned retail Relationship Officer to identify options and alternatives that would restore operational viability and success within a reasonably agreed upon timeline. Work collaboratively with Retail Credit Teams and the Credit and Resolutions Team to meet the Associations’ Retail Credit goals and objectives. 2. Responsible for the underwriting activities on assigned portfolio originated in the retail markets. Loan characteristics exhibit qualities that render them more difficult to assess risk and performance (i.e. multiple entities, unique contractual business characteristics, financial structure and performance, complicated legal structure and complex monitoring needs). Activities include assembly, consolidation, calculation, documentation and communication of financial condition of the customer and the acceptability of his/her request. Requests may be originated from another financial institution or within the Associations. The incumbent will demonstrate the expertise to analyze, present, and participate in actions on assigned loans requiring the Associations’ Loan Committee action. Identify credit concerns and weaknesses to ensure that risk is accurately identified and credit administration, policy, and procedures are all balanced in the best interest of the customer and the Associations. Level 23: Focus on customer accounts with a higher level of complexity, loan size, and risk to the Associations. Level 24: Responsible for handling and providing expertise in the most complex and largest accounts posing greatest risk to the Associations. 3. Identify and recommend financial information to be collected and appropriate loan terms. Pursue the decision through appropriate delegation levels on a consensus basis. Responsible for actions that lead to improving the overall financial performance of the account, working towards acceptable credit quality and continuing to maintain satisfactory credit administration. Coordinate final conditions of approval by working with Agribusiness Finance (ABF) Team, retail teammates, and/or the Credit and Resolutions Team to structure the loan package in a manner that meets customers’ needs and the Associations’ risk tolerance. 4. Support and assist with the development and maintenance of information that assists retail staff with monitoring of individual credits. Ensure that loan performance and financial covenants are maintained. Initiate action and if needed assist in the communication to ensure the customers correct situations where they are out of compliance in an expedient manner. Coordinate with the Credit and Resolutions Team around the transition and transferring of accounts from the retail portfolio to the Credit and Resolutions portfolio. 5. Participate in sales calls as needed for assigned customer accounts, or in an event to promote the Associations’ image as an industry expert. 6. Assist with activities that develop due-diligence and front-end guidance to the retail markets; including market/industry information gathering, the development of credit standards and guidelines, the development of special lending programs, and the development and delivery of training programs for specific industries or topics. 7. Responsible for monitoring of assigned portfolio; including evaluation of compliance with loan terms and conditions, and participation in inspections and business validations as appropriate. http://careers.hireahero.org/jobs/credit-analyst-assigned-level-21c-22d-23e-24e-closing-date-11-14-2016-omaha-ne-91454104-d?widget=Farm%20Credit%20Service%20Of%20America&type=job&widgetref=hireahero-c-landing-page