American AgCredit

Analyst

• Analyze and evaluate numerous or large and complex commercial and/or real estate loan applications
• Service commercial and/or real estate loans through frequent customer contact
• Pursue new business through organized marketing and business development programs
• Manage an existing designated loan portfolio, including renewal operating loans and term loans
• Interview loan applicants and prepare loan applications, financial statements, and budgets
• Prepare spreadsheets of financial statements, including balance sheets and income statements
• Input required data into loan origination and loan processing systems
• Review credit and financial information, determine need for further investigation, analyze related materials, prepare summaries, present facts, and offer creditworthiness opinions
• Recommend approval or denial of loans, or approve/deny loans within lending authority
• Determine and review legal documentation
• Verify financial statements, review credit reports, and collect relevant data
• Communicate credit philosophy, stock requirements, loan products, and financially related services to customers
• Prepare loan servicing actions and follow up on assigned loan portfolio
• Interact with title companies
• Monitor loan processes and provide backup to loan officers on customer service issues
• Respond independently to requests for information and assistance
• Conduct collateral inspections
• Represent the Association at public functions
• Conduct credit training and development programs for staff
• Participate in employee loan committee or loan committee meetings
• Work under general supervision of the VP-Regional Credit Underwriting or designee

Portfolio Analyst, Commercial

• Analyze and evaluate numerous or large and complex commercial and/or real estate loan applications
• Service commercial and/or real estate loans through frequent customer contact
• Pursue new business through organized marketing and business development programs
• Manage designated loan portfolios and renew operating and term loans as needed
• Interview loan applicants and prepare loan applications, financial statements, and budgets
• Prepare spreadsheets of financial statements, including balance sheets and income statements
• Input required data into loan origination and loan processing systems
• Review credit and financial information, investigate as needed, prepare summaries, present facts, and offer creditworthiness opinions
• Recommend approval or denial of loans, or approve/deny loans within lending authority
• Determine and review legal documentation
• Verify financial statements, review credit reports, and collect relevant data
• Communicate credit philosophy and stock requirements and promote loan products and related services
• Prepare loan servicing actions and follow up on assigned portfolios
• Interact with title companies
• Monitor loan processes and provide backup to loan officers on customer service issues
• Respond independently to information and assistance requests
• Conduct collateral inspections
• Represent the Association at public functions
• Conduct credit training and development programs for staff
• Participate in employee loan committee or loan committee meetings
• Work under general supervision of the VP-Regional Credit Underwriting or designee

Portfolio Analyst – Commercial

• Analyze and evaluate numerous or large and complex commercial and/or real estate loan applications
• Service commercial and/or real estate loans through frequent customer contact
• Pursue new business through organized marketing and business development programs
• Manage an existing designated loan portfolio as applicable
• Renew operating loans and term loans
• Interview loan applicants and prepare loan applications, financial statements, and budgets
• Prepare spreadsheets of financial statements, including balance sheets and income statements
• Input required data into loan origination and loan processing systems
• Review credit and financial information, investigate as needed, prepare summaries, present facts, and offer opinions concerning creditworthiness
• Analyze loan applications and supporting documents and recommend or approve/deny loans within lending authority
• Determine and review legal documentation
• Verify financial statements, review credit reports, and collect relevant data
• Communicate credit philosophy and stock requirements to customers
• Promote loan products and financially related services
• Prepare loan servicing actions and follow up on assigned loan portfolios
• Interact with title companies
• Monitor the loan process and provide backup to loan officers on customer service issues
• Respond independently to requests for information and assistance
• Conduct collateral inspections
• Represent the Association at public functions
• Conduct credit training and development programs for staff
• Participate in employee loan committee or loan committee meetings
• Make independent decisions under general supervision of the VP-Regional Credit Underwriting or designee
• Perform other assigned duties

Portfolio Analyst

• Collaborate with the Debt Capital Markets Leader on underwriting activities for a buy-side debt portfolio
• Perform business and economic analyses, financial analysis and modeling, and business valuations
• Process loan applications and prepare credit reports and loan legal documentation
• Prepare and present credit packages to Relationship Managers and committees
• Develop credit information for new loans, renewals, loan servicing, and restructuring actions
• Co-sponsor credit recommendations with Relationship Managers
• Review credit and financial information, analyze financial statements and forecasts, and assess creditworthiness
• Prepare complete credit packages for loan committee review and decisioning
• Perform credit administration and account servicing using Salesforce and nCino
• Monitor assigned portfolios and conduct ongoing financial reviews
• Keep Relationship Managers informed of financial trends and compliance
• Review credit agreements and loan and participation documents
• Respond to internal and external account requests
• Maintain collaborative relationships with deal teams and cross-functional departments
• Maintain expertise in assigned market segments and industry trends
• Train and develop Association staff and review others’ work as assigned
• Attend lender meetings and industry events as necessary
• Work on other assigned projects and initiatives
• Make independent decisions under the general direction of the Debt Capital Markets Leader

Senior Portfolio Analyst – Debt Capital Markets

Business Analyst

• Lead enterprise-level business analysis and process improvement efforts supporting Association projects
• Drive discovery and analysis for business issues, enterprise projects, operational excellence opportunities, and remediation efforts
• Translate business needs into requirements, user stories, and analysis artifacts for solution design and delivery
• Facilitate and create current- and future-state process maps
• Perform end-to-end process analysis to identify standardization, simplification, automation, control enhancement, and measurable improvement opportunities
• Evaluate workflow changes and recommend process and system enhancements aligned with organizational strategy
• Apply Lean Six Sigma, root cause analysis, gap analysis, and value stream thinking to identify solutions
• Coordinate and facilitate Business User Acceptance Testing, including test scenarios, use cases, acceptance criteria, and readiness activities
• Support product investigations by capturing requirements and evaluating potential solutions and vendors
• Build relationships with technical, business, and risk stakeholders and drive alignment and decision-making
• Communicate complex information through written, verbal, and visual formats
• Influence cross-functional leaders and stakeholders using analysis, data, and recommendations
• Provide informal mentorship and guidance to Business Analysts and stakeholders
• Work with business, technology, and risk stakeholders to ensure outcomes align with Association strategy
• Travel for job performance and team meetings as required

Portfolio Analyst, Commercial

Portfolio Analyst – Commercial

Portfolio Analyst

Senior Portfolio Analyst – Debt Capital Markets

Senior Business Analyst