AgriBank
Senior Credit Underwriter Reviewer (onsite/hybrid)
AgriBank, Saint Paul, Minnesota, United States, 55101
Senior Credit Underwriter Reviewer
The Senior Credit Underwriter Reviewer collaborates with key stakeholders at AgriBank, including senior loan committee and executive leadership team (ELT) and the District Associations, to create/author the credit actions and recommendations that will fulfill the funding and credit needs of District owners/Associations that are larger in size or that have more complex operations; reviews individual Association and/or OFI loan files and internal credit review programs to determine the integrity and reliability of asset classification and credit administration; and provides subject matter expertise to less experienced team members. As a key member of the Credit Wholesale Lending team, you will be part of AgriBank's mission to support the people who feed the world. Job Functions* Wholesale Lending/Underwriting and Monitoring Serves as primary point of contact and provides supervisory oversight for an assigned portfolio of Associations, typically larger in size or with more complex issues. Analyzes and monitors trends in financial performance, credit quality and capital adequacy for District Associations with up to $35 billion in total assets. Underwrites the annual wholesale line of credit renewal/review report, utilizing information received from meetings with Association senior leadership, Association provided financial information requested, and from District information published by AgriBank. Plans and leads meetings with Associations' Senior Leadership Teams, including developing the agenda to obtain information need to develop the Wholesale Line of Credit report and discussing the latest strategic initiatives of the Association and any important trends or deviations from plans/budgets Identifies and communicates key issues, and document findings and recommendations Presents key issues to AgriBank's Senior Credit Committee and fields Committee members' questions Works with Association's Senior Leadership Teams and AgriBank's Relationship Management department to coordinate the annual review/renewal of District Associations' wholesale lines of credit Authors the credit report highlighting the Association's risk profile, utilizing information received from the meetings with Association management teams and other available sources, Identifies and documents key issues, risks and emerging trends Develops wholesale loan terms and conditions recommendations upon which AgriBank's Senior Credit Committee can act Recommends probability of default rating for each association Leads presentation of key issues to AgriBank's Senior Credit Committee and ELT members and fields Committee members' questions Perform Regulatory Oversight on portfolio of Associations Monitors compliance to regulatory limits on lending to: 1) processing or marketing operations, 2) rural housing loans, and 3) similar entity loans Reviews and approves YBS program of Associations, Approves investment policies and investments held by Associations prior to Association seeking FCA approval, Approves Association investments in Unincorporated Business Entities (UBEs) Analyzes and acts on approval requests from Associations on charter amendments and communicate to FCA on conclusions reached Analyzes and acts on approval requests of Association's merger or consolidation proposals, and provide analysis and recommendation to FCA Reviews and acts on Association proposals for territory transfer and communicates to FCA Association/OFI Credit Review Reviewer in charge or assists in credit reviews at OFIs and/or associations multiple times throughout the year, which includes but is not limited to: communicating with association/OFI senior management to gather information, preparing the loan review sample, and reporting the findings to association/OFI senior management. Reviews the largest and most complex loan structures/relationships As Review in Charge, serves as a liaison throughout the review process to OFI senior management, AgriBank senior management, and Wholesale Loan Collateral Monitoring (WLCM) team. Serves as an expert resource for WLCM team and is called upon to provide guidance on determining materiality/relevancy of audit findings. Provides secondary review of other reviewers work, including UCS classifications, probability of default ratings, and loss given default ratings consistent with guidance Reviews the WLCM report and findings prepared by other team members Processing Other Credit Actions Works with the Association CEO, CFO, and CCO to obtain AgriBank approval for other special credit-related requests Participates in reviewing and analyzing Association strategic requests regarding merger or dissolution plans Drafts credit action reports to request approval of District Associations' other credit needs or to comply with regulatory/supervisory requirements Gathers pertinent information from senior management of District Associations, identifies and communications key issues and risks, and documents findings and conclusions Authors narratives that require minimal secondary editing Presents key issues to Senior Credit Committee and fields Committee members' questions Internal Credit Review (ICR) / Audit Report Monitoring Completes Association monitoring activity; ensuring associations are submitting required information to AgriBank on a timely basis and the database/Laserfiche is accurate Other Duties From time to time, assists Commercial lending team in completing annual credit reviews on loans held in the retail portfolio From time to time, assists commercial lending team in reviewing prior approval requests for OFI's Represents the credit department by participating on work groups and other corporate activities Mentors less experienced team members on subject matter as appropriate *This job description is subject to change without notice. Education and Experience Bachelor's degree in economics, accounting, finance, business or related field 4-6 years of related experience Or an equivalent combination of education and experience sufficient to perform the essential functions of the job Knowledge Advanced knowledge of financial analysis Advanced knowledge of production agriculture Advanced knowledge of loan portfolio risk management concepts Advanced knowledge of lending and loan risk management concepts Advanced knowledge of credit review resources including, but not limited to, FCA Regulations, AgriBank Lending Manual, and Combined System Risk Rating Guidance Advanced knowledge of credit analysis, loan structuring, and credit administration Advanced knowledge of credit underwriting including, but not limited to, FCA Regulations, AgriBank Lending Manual, and Combined System Risk Rating Guidance Intermediate knowledge of Generally Accepted Accounting Principles (GAAP) Skills Advanced proficiency with Microsoft Office Suite Physical Requirements Prolonged periods sitting at a desk and working on a computer Must be able to lift up to 15 pounds at times Some travel required The AgriBank Advantage You are the key differentiator in the marketplace and ultimately the most important factor in helping us fulfill our mission to support those who feed the world. We are committed to providing you with a competitive compensation and benefits package
your total rewards for making significant contributions to our business and making a difference on behalf of those we serve. The typical base range for this role is between $85,000-$131,000. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. The position is eligible for a discretionary annual incentive program driven by organization and individual performance. Benefits AgriBank benefits provide safety, security, and peace of mind for you and your family. Through comprehensive Total Rewards, access to financial tools and support, and personal services, our benefits demonstrate that employees' health and financial well-being are of primary importance. Wherever you are on life's continuum or what life transition you experience, our benefits support your health care needs and guide you along the path to retirement. Collaboration and Staying Connected Beautiful office overlooking many of St. Paul's landmarks, with exceptional space to collaborate with your colleagues and friends Monthly employee activities to keep groups connected and have fun! Annual Employee Appreciation activities Multiple recognition programs to celebrate each other's success
The Senior Credit Underwriter Reviewer collaborates with key stakeholders at AgriBank, including senior loan committee and executive leadership team (ELT) and the District Associations, to create/author the credit actions and recommendations that will fulfill the funding and credit needs of District owners/Associations that are larger in size or that have more complex operations; reviews individual Association and/or OFI loan files and internal credit review programs to determine the integrity and reliability of asset classification and credit administration; and provides subject matter expertise to less experienced team members. As a key member of the Credit Wholesale Lending team, you will be part of AgriBank's mission to support the people who feed the world. Job Functions* Wholesale Lending/Underwriting and Monitoring Serves as primary point of contact and provides supervisory oversight for an assigned portfolio of Associations, typically larger in size or with more complex issues. Analyzes and monitors trends in financial performance, credit quality and capital adequacy for District Associations with up to $35 billion in total assets. Underwrites the annual wholesale line of credit renewal/review report, utilizing information received from meetings with Association senior leadership, Association provided financial information requested, and from District information published by AgriBank. Plans and leads meetings with Associations' Senior Leadership Teams, including developing the agenda to obtain information need to develop the Wholesale Line of Credit report and discussing the latest strategic initiatives of the Association and any important trends or deviations from plans/budgets Identifies and communicates key issues, and document findings and recommendations Presents key issues to AgriBank's Senior Credit Committee and fields Committee members' questions Works with Association's Senior Leadership Teams and AgriBank's Relationship Management department to coordinate the annual review/renewal of District Associations' wholesale lines of credit Authors the credit report highlighting the Association's risk profile, utilizing information received from the meetings with Association management teams and other available sources, Identifies and documents key issues, risks and emerging trends Develops wholesale loan terms and conditions recommendations upon which AgriBank's Senior Credit Committee can act Recommends probability of default rating for each association Leads presentation of key issues to AgriBank's Senior Credit Committee and ELT members and fields Committee members' questions Perform Regulatory Oversight on portfolio of Associations Monitors compliance to regulatory limits on lending to: 1) processing or marketing operations, 2) rural housing loans, and 3) similar entity loans Reviews and approves YBS program of Associations, Approves investment policies and investments held by Associations prior to Association seeking FCA approval, Approves Association investments in Unincorporated Business Entities (UBEs) Analyzes and acts on approval requests from Associations on charter amendments and communicate to FCA on conclusions reached Analyzes and acts on approval requests of Association's merger or consolidation proposals, and provide analysis and recommendation to FCA Reviews and acts on Association proposals for territory transfer and communicates to FCA Association/OFI Credit Review Reviewer in charge or assists in credit reviews at OFIs and/or associations multiple times throughout the year, which includes but is not limited to: communicating with association/OFI senior management to gather information, preparing the loan review sample, and reporting the findings to association/OFI senior management. Reviews the largest and most complex loan structures/relationships As Review in Charge, serves as a liaison throughout the review process to OFI senior management, AgriBank senior management, and Wholesale Loan Collateral Monitoring (WLCM) team. Serves as an expert resource for WLCM team and is called upon to provide guidance on determining materiality/relevancy of audit findings. Provides secondary review of other reviewers work, including UCS classifications, probability of default ratings, and loss given default ratings consistent with guidance Reviews the WLCM report and findings prepared by other team members Processing Other Credit Actions Works with the Association CEO, CFO, and CCO to obtain AgriBank approval for other special credit-related requests Participates in reviewing and analyzing Association strategic requests regarding merger or dissolution plans Drafts credit action reports to request approval of District Associations' other credit needs or to comply with regulatory/supervisory requirements Gathers pertinent information from senior management of District Associations, identifies and communications key issues and risks, and documents findings and conclusions Authors narratives that require minimal secondary editing Presents key issues to Senior Credit Committee and fields Committee members' questions Internal Credit Review (ICR) / Audit Report Monitoring Completes Association monitoring activity; ensuring associations are submitting required information to AgriBank on a timely basis and the database/Laserfiche is accurate Other Duties From time to time, assists Commercial lending team in completing annual credit reviews on loans held in the retail portfolio From time to time, assists commercial lending team in reviewing prior approval requests for OFI's Represents the credit department by participating on work groups and other corporate activities Mentors less experienced team members on subject matter as appropriate *This job description is subject to change without notice. Education and Experience Bachelor's degree in economics, accounting, finance, business or related field 4-6 years of related experience Or an equivalent combination of education and experience sufficient to perform the essential functions of the job Knowledge Advanced knowledge of financial analysis Advanced knowledge of production agriculture Advanced knowledge of loan portfolio risk management concepts Advanced knowledge of lending and loan risk management concepts Advanced knowledge of credit review resources including, but not limited to, FCA Regulations, AgriBank Lending Manual, and Combined System Risk Rating Guidance Advanced knowledge of credit analysis, loan structuring, and credit administration Advanced knowledge of credit underwriting including, but not limited to, FCA Regulations, AgriBank Lending Manual, and Combined System Risk Rating Guidance Intermediate knowledge of Generally Accepted Accounting Principles (GAAP) Skills Advanced proficiency with Microsoft Office Suite Physical Requirements Prolonged periods sitting at a desk and working on a computer Must be able to lift up to 15 pounds at times Some travel required The AgriBank Advantage You are the key differentiator in the marketplace and ultimately the most important factor in helping us fulfill our mission to support those who feed the world. We are committed to providing you with a competitive compensation and benefits package
your total rewards for making significant contributions to our business and making a difference on behalf of those we serve. The typical base range for this role is between $85,000-$131,000. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. The position is eligible for a discretionary annual incentive program driven by organization and individual performance. Benefits AgriBank benefits provide safety, security, and peace of mind for you and your family. Through comprehensive Total Rewards, access to financial tools and support, and personal services, our benefits demonstrate that employees' health and financial well-being are of primary importance. Wherever you are on life's continuum or what life transition you experience, our benefits support your health care needs and guide you along the path to retirement. Collaboration and Staying Connected Beautiful office overlooking many of St. Paul's landmarks, with exceptional space to collaborate with your colleagues and friends Monthly employee activities to keep groups connected and have fun! Annual Employee Appreciation activities Multiple recognition programs to celebrate each other's success