Compeer Financial
Overview
Empowered to live. Inspired to work.
Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin. We bring together team members with a variety of backgrounds and experiences to help provide financial services to support agriculture and rural communities. Join us in a culture that promotes meaningful work and professional development, and offers a flexible hybrid work environment and excellent benefits to help you thrive personally and professionally.
Benefits
Hybrid model up to 50% work from home
Flexible schedules including ample flexibility in the summer months
Up to 9% towards 401(k) (3% fixed Compeer contribution plus up to 6% match)
Medical, dental, vision, HSA/FSA, life & AD&D insurance, short‑term and long‑term disability, wellness program & EAP
Vacation, sick leave, holidays/floating holidays, parental leave, volunteer paid time off
Learning and development programs
Cross‑functional committee opportunities (e.g., Inclusion Council, emerging professional groups)
Professional membership/certification reimbursement and more
Where you will work This position offers a hybrid work option up to 50% remote and is based out of the MN‑Lakeville, MN‑Rochester, IL‑Bloomington, or WI‑Sun Prairie office locations.
Contributions This position reviews complex loan requests submitted to the Credit Compeer Home team, documents the appropriate level of analysis required to make a credit decision, issues the proper loan conditions, and communicates with lending officers and credit/financial officers to ensure the best interests of Compeer Financial and the consumer. Also reviews and provides decisions on servicing actions.
A typical day Home Mortgage Underwriting and Credit Analysis
Analyzes and provides quality, accurate credit decisions for complex loan packages across all three Compeer Home mortgage products (RuraLiving, Portfolio, Freddie Mac)
Reviews and documents loan conditions and transactions to ensure compliance and credit guidelines are met
Collaborates with Ag Lending to analyze complex farming operations with consumer loan requests
Leads larger complex loan requests, may be required to interact directly with borrower, partner, or outside parties
Reviews all documents needed for final approval
Utilizes Freddie Mac automated underwriting tools such as evaluating loans through Loan Product Advisor and appraisal through the Uniform Collateral Data Portal if applicable
Updates the Loan Origination System with all underwriting information
Maintains the underwriting spreadsheet
Serves as a resource for team members to assist with fielding questions
Verifies the property is acceptable collateral for the loan program
Reviews accuracy and opinion of market value on appraisals
Reviews comps to determine if they are comparable and adequate with required marketability comments
Verifies the property meets all program guidelines (adequate review and sales comparability)
Product Guidance
Provides product support (Freddie Mac, RuraLiving, or Portfolio) for the Credit Compeer Home team and all of Compeer Home
Reviews guidelines regularly and recommends changes to leadership and product experts
Answers loan questions submitted to the Credit Compeer Home team from Compeer Home, banks, and Farm Credit partners
Servicing Actions
Reviews submissions and determines if all required documentation is in the file
Determines if collateral can be released and if proceeds need to be applied to the loan
Determines if a co‑signer can be released of liability by reviewing documentation against loan guidelines
Documents servicing request and underwriting criteria used to approve or deny the request
Communicates decision with required conditions for approval
Preferred Qualifications and Skills
Bachelor’s degree in accounting, finance, economics, agribusiness or related field OR equivalent experience
Advanced level experience in consumer mortgage finance (underwriting, processing, operations, servicing, or lending)
In‑depth knowledge of consumer lending, underwriting practices, compliance, regulations, and loan programs
Strong accounting principles and credit administration
Knowledge of agricultural businesses, production practices, and credit standards used by Compeer
Ability to make sound credit decisions independently and efficiently
Negotiation skills and ability to propose creative financing solutions that drive portfolio growth while mitigating credit risk
Strong listening, written and verbal communication skills, and ability to communicate at all organizational levels
Proficiency in Microsoft Office and customer relationship management (CRM) programs
Valid driver’s license
May be required to travel and present, train, or interact with team members, bank partners, Farm Credit Associations, or at trade shows/conferences
Compensation and Benefits Base Pay
$82,400 – $124,500 USD
Eligible for variable compensation and other benefits. Pay range subject to change and may be modified in the future.
Equal Opportunity Statement Compeer Financial is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.
Eligibility Must be authorized to work for any employer in the United States. Compeer is unable to sponsor or take over sponsorship of an employment visa at this time.
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Benefits
Hybrid model up to 50% work from home
Flexible schedules including ample flexibility in the summer months
Up to 9% towards 401(k) (3% fixed Compeer contribution plus up to 6% match)
Medical, dental, vision, HSA/FSA, life & AD&D insurance, short‑term and long‑term disability, wellness program & EAP
Vacation, sick leave, holidays/floating holidays, parental leave, volunteer paid time off
Learning and development programs
Cross‑functional committee opportunities (e.g., Inclusion Council, emerging professional groups)
Professional membership/certification reimbursement and more
Where you will work This position offers a hybrid work option up to 50% remote and is based out of the MN‑Lakeville, MN‑Rochester, IL‑Bloomington, or WI‑Sun Prairie office locations.
Contributions This position reviews complex loan requests submitted to the Credit Compeer Home team, documents the appropriate level of analysis required to make a credit decision, issues the proper loan conditions, and communicates with lending officers and credit/financial officers to ensure the best interests of Compeer Financial and the consumer. Also reviews and provides decisions on servicing actions.
A typical day Home Mortgage Underwriting and Credit Analysis
Analyzes and provides quality, accurate credit decisions for complex loan packages across all three Compeer Home mortgage products (RuraLiving, Portfolio, Freddie Mac)
Reviews and documents loan conditions and transactions to ensure compliance and credit guidelines are met
Collaborates with Ag Lending to analyze complex farming operations with consumer loan requests
Leads larger complex loan requests, may be required to interact directly with borrower, partner, or outside parties
Reviews all documents needed for final approval
Utilizes Freddie Mac automated underwriting tools such as evaluating loans through Loan Product Advisor and appraisal through the Uniform Collateral Data Portal if applicable
Updates the Loan Origination System with all underwriting information
Maintains the underwriting spreadsheet
Serves as a resource for team members to assist with fielding questions
Verifies the property is acceptable collateral for the loan program
Reviews accuracy and opinion of market value on appraisals
Reviews comps to determine if they are comparable and adequate with required marketability comments
Verifies the property meets all program guidelines (adequate review and sales comparability)
Product Guidance
Provides product support (Freddie Mac, RuraLiving, or Portfolio) for the Credit Compeer Home team and all of Compeer Home
Reviews guidelines regularly and recommends changes to leadership and product experts
Answers loan questions submitted to the Credit Compeer Home team from Compeer Home, banks, and Farm Credit partners
Servicing Actions
Reviews submissions and determines if all required documentation is in the file
Determines if collateral can be released and if proceeds need to be applied to the loan
Determines if a co‑signer can be released of liability by reviewing documentation against loan guidelines
Documents servicing request and underwriting criteria used to approve or deny the request
Communicates decision with required conditions for approval
Preferred Qualifications and Skills
Bachelor’s degree in accounting, finance, economics, agribusiness or related field OR equivalent experience
Advanced level experience in consumer mortgage finance (underwriting, processing, operations, servicing, or lending)
In‑depth knowledge of consumer lending, underwriting practices, compliance, regulations, and loan programs
Strong accounting principles and credit administration
Knowledge of agricultural businesses, production practices, and credit standards used by Compeer
Ability to make sound credit decisions independently and efficiently
Negotiation skills and ability to propose creative financing solutions that drive portfolio growth while mitigating credit risk
Strong listening, written and verbal communication skills, and ability to communicate at all organizational levels
Proficiency in Microsoft Office and customer relationship management (CRM) programs
Valid driver’s license
May be required to travel and present, train, or interact with team members, bank partners, Farm Credit Associations, or at trade shows/conferences
Compensation and Benefits Base Pay
$82,400 – $124,500 USD
Eligible for variable compensation and other benefits. Pay range subject to change and may be modified in the future.
Equal Opportunity Statement Compeer Financial is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.
Eligibility Must be authorized to work for any employer in the United States. Compeer is unable to sponsor or take over sponsorship of an employment visa at this time.
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