Credit Officer - Home Mortgage

Compeer Financial is seeking collaborative, innovative and dynamic professionals to be a part of our Top Workplace culture! Position Overview: This position reviews loan requests and documents the appropriate level of analysis required to make a credit decision. Issues the proper loan conditions tied to various home mortgage loan products within Compeer Home. Communicates with lending officers within the team to discuss lending alternatives, additional information required to make a lending decision and issues related to the loan request. Communicates with credit and financial officers assigned to Ag Lending relationships to ensure the loan request is in the best interest of all areas of Compeer Financial and the consumer. Reviews and provides decision on servicing actions. Essential Functions: Analyzes and provides quality, accurate credit decisions for complex loan packages across all three Compeer home mortgage products (RuraLiving, Portfolio and 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. Reviews all documents needed for final approval. Utilizes Freddie Mac automated underwriting and analysis tools such as Loan Product Advisor and Uniform Collateral Data Portal if applicable. Updates the loan origination system with all underwriting information. Verifies the subject property is acceptable collateral for the loan program. Reviews the accuracy and opinion of the market value on appraisals. Reviews comps to determine if they are comparable and adequate with the necessary marketability comments provided. Reviews submissions and determines if all required documentation is in the file. Documents servicing requests and underwriting criteria used to approve or deny the request. Minimum Qualifications & Required Knowledge, Skills and Abilities: Bachelor’s degree in accounting, finance, economics, agribusiness or related field or an equivalent combination of education and experience sufficient to perform the essential functions of the job. 5+ years of experience in home mortgage finance including areas such as underwriting, processing, operations, servicing and/or lending. Solid knowledge of consumer lending, underwriting practices, compliance, regulations, and loan programs. In-depth understanding of credit processing and servicing. Solid knowledge of accounting principles and credit administration. Solid understanding of loan processing and servicing. Knowledge of agricultural businesses and operations, production practices and understanding of credit standards used by Compeer to analyze operations. Ability to make sound credit decisions independently and efficiently. Developed negotiating skills and the ability to organically create and propose creative financing solutions that drive portfolio growth while mitigating credit risk. Strong listening, written and verbal communication skills, with ability to communicate at all levels of the organization. Skill in developing and maintaining interpersonal relationships. Strong problem solving, decision making and organizational skills. Strong computer skills, including MS Office applications and customer relationship management (CRM) programs. Strong analytical skills with attention to detail. Flexible and adaptable to changing situations. Ability to remain objective in balancing business needs and risk. Ability to work independently and collaboratively with other teams to achieve goals and represent the business. Valid driver’s license.

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