AgriBank, FCB
Senior Credit Underwriter Reviewer (onsite/hybrid)
AgriBank, FCB, Saint Paul, Minnesota, United States, 55130
Senior Credit Underwriter Reviewer (onsite/hybrid)
Position OverviewThe 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.Job Functions*Wholesale Lending/Underwriting and MonitoringServes 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/budgetsIdentifies and communicates key issues, and document findings and recommendationsPresents 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 creditAuthors 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 trendsDevelops wholesale loan terms and conditions recommendations upon which AgriBank's Senior Credit Committee can actRecommends 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 loansReviews 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 reachedAnalyzes and acts on approval requests of Association's merger or consolidation proposals, and provide analysis and recommendation to FCAReviews and acts on Association proposals for territory transfer and communicates to FCA
Association/OFI Credit ReviewReviewer 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/relationshipsAs 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 guidanceReviews the WLCM report and findings prepared by other team members
Processing Other Credit ActionsWorks with the Association CEO, CFO, and CCO to obtain AgriBank approval for other special credit-related requestsParticipates in reviewing and analyzing Association strategic requests regarding merger or dissolution plansDrafts 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 conclusionsAuthors narratives that require minimal secondary editingPresents key issues to Senior Credit Committee and fields Committee members' questions
Internal Credit Review (ICR) / Audit Report MonitoringCompletes Association monitoring activity; ensuring associations are submitting required information to AgriBank on a timely basis and the database/Laserfiche is accurate
Other DutiesFrom time to time, assists Commercial lending team in completing annual credit reviews on loans held in the retail portfolioFrom time to time, assists commercial lending team in reviewing prior approval requests for OFI'sRepresents the credit department by participating on work groups and other corporate activitiesMentors less experienced team members on subject matter as appropriate
*This job description is subject to change without notice.Education and ExperienceBachelor's degree in economics, accounting, finance, business or related field4-6 years of related experienceOr an equivalent combination of education and experience sufficient to perform the essential functions of the job
KnowledgeAdvanced knowledge of financial analysisAdvanced knowledge of production agricultureAdvanced knowledge of loan portfolio risk management conceptsAdvanced knowledge of lending and loan risk management conceptsAdvanced knowledge of credit review resources including, but not limited to, FCA Regulations, AgriBank Lending Manual, and Combined System Risk Rating GuidanceAdvanced knowledge of credit analysis, loan structuring, and credit administrationAdvanced knowledge of credit underwriting including, but not limited to, FCA Regulations, AgriBank Lending Manual, and Combined System Risk Rating GuidanceIntermediate knowledge of Generally Accepted Accounting Principles (GAAP)
SkillsAdvanced proficiency with Microsoft Office Suite
Physical RequirementsProlonged periods sitting at a desk and working on a computerMust be able to lift up to 15 pounds at timesSome travel requiredAgriBankwill not sponsor a work visa (e.g., H1B, etc.) to fill this position.Applicantsrequiring a reasonable accommodation for any part of the application processmay contact us through the following methods: Phone: 651-282-8787 or Mail:AgriBank, Attn: Talent Recruiting, 30 E 7th Street, Suite 1600, St. Paul, MN55101.Incompliance with federal law, all persons hired will be required to verifyidentity and eligibility to work in the United States and to complete therequired employment eligibility verification form upon hire.AgriBank FCB is anEqual Opportunity Employer (M/W/D/V) dedicated to diversity in the workplaceand offers a great work environment. All qualified applicants will receiveconsideration for employment without regard to race, color, gender, age,religion, national origin, handicapped status, veteran status, publicassistance status or other condition or status prohibited by law.
Position OverviewThe 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.Job Functions*Wholesale Lending/Underwriting and MonitoringServes 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/budgetsIdentifies and communicates key issues, and document findings and recommendationsPresents 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 creditAuthors 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 trendsDevelops wholesale loan terms and conditions recommendations upon which AgriBank's Senior Credit Committee can actRecommends 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 loansReviews 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 reachedAnalyzes and acts on approval requests of Association's merger or consolidation proposals, and provide analysis and recommendation to FCAReviews and acts on Association proposals for territory transfer and communicates to FCA
Association/OFI Credit ReviewReviewer 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/relationshipsAs 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 guidanceReviews the WLCM report and findings prepared by other team members
Processing Other Credit ActionsWorks with the Association CEO, CFO, and CCO to obtain AgriBank approval for other special credit-related requestsParticipates in reviewing and analyzing Association strategic requests regarding merger or dissolution plansDrafts 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 conclusionsAuthors narratives that require minimal secondary editingPresents key issues to Senior Credit Committee and fields Committee members' questions
Internal Credit Review (ICR) / Audit Report MonitoringCompletes Association monitoring activity; ensuring associations are submitting required information to AgriBank on a timely basis and the database/Laserfiche is accurate
Other DutiesFrom time to time, assists Commercial lending team in completing annual credit reviews on loans held in the retail portfolioFrom time to time, assists commercial lending team in reviewing prior approval requests for OFI'sRepresents the credit department by participating on work groups and other corporate activitiesMentors less experienced team members on subject matter as appropriate
*This job description is subject to change without notice.Education and ExperienceBachelor's degree in economics, accounting, finance, business or related field4-6 years of related experienceOr an equivalent combination of education and experience sufficient to perform the essential functions of the job
KnowledgeAdvanced knowledge of financial analysisAdvanced knowledge of production agricultureAdvanced knowledge of loan portfolio risk management conceptsAdvanced knowledge of lending and loan risk management conceptsAdvanced knowledge of credit review resources including, but not limited to, FCA Regulations, AgriBank Lending Manual, and Combined System Risk Rating GuidanceAdvanced knowledge of credit analysis, loan structuring, and credit administrationAdvanced knowledge of credit underwriting including, but not limited to, FCA Regulations, AgriBank Lending Manual, and Combined System Risk Rating GuidanceIntermediate knowledge of Generally Accepted Accounting Principles (GAAP)
SkillsAdvanced proficiency with Microsoft Office Suite
Physical RequirementsProlonged periods sitting at a desk and working on a computerMust be able to lift up to 15 pounds at timesSome travel requiredAgriBankwill not sponsor a work visa (e.g., H1B, etc.) to fill this position.Applicantsrequiring a reasonable accommodation for any part of the application processmay contact us through the following methods: Phone: 651-282-8787 or Mail:AgriBank, Attn: Talent Recruiting, 30 E 7th Street, Suite 1600, St. Paul, MN55101.Incompliance with federal law, all persons hired will be required to verifyidentity and eligibility to work in the United States and to complete therequired employment eligibility verification form upon hire.AgriBank FCB is anEqual Opportunity Employer (M/W/D/V) dedicated to diversity in the workplaceand offers a great work environment. All qualified applicants will receiveconsideration for employment without regard to race, color, gender, age,religion, national origin, handicapped status, veteran status, publicassistance status or other condition or status prohibited by law.