Portfolio Analyst

American AgCredit

. Analyze and evaluate numerous or large and complex commercial and/or real estate loan applications .

Posted 10/2/2026full-timeSanta Rosa • California • United StatesMid-LevelSenior💰 $71,139 - $123,959 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates strong credit and analytical skills with extensive experience in agricultural lending principles and practices. Proficient in managing loan portfolios, preparing financial statements, and communicating effectively with clients and stakeholders.

Highest-signal resume keywords

Agricultural Lending ExperienceCredit AnalysisLoan Portfolio ManagementFinancial Statement PreparationRegulatory Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisFinancial Statement PreparationLoan Application ProcessingData Input into Loan SystemsCollateral InspectionBudget PreparationSpreadsheet ProficiencyLoan Servicing ActionsLegal Documentation ReviewLoan Approval Recommendations

Soft Skills

Strong Written CommunicationStrong Verbal CommunicationPersuasive SkillsInterpersonal SkillsOrganizational Skills

Tools & Technologies

Loan Origination SystemsElectronic Spreadsheet SoftwareWord-Processing SoftwareEmail Software

Industry Keywords

FCA RegulationsFarm Credit SystemCommercial LoansReal Estate LoansBusiness DevelopmentCustomer ServiceLoan Committee ParticipationCredit Training

About the role

Key responsibilities & impact

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

Requirements

What you’ll need

At least 5-7 years progressively responsible banking or related agricultural lending experience
BA/BS degree with emphasis on agribusiness, business administration, or equivalent
Strong credit and analytical skills
Demonstrated understanding of agricultural lending principles and practices, and association and Farm Credit System operating policies and procedures
Knowledge of FCA regulations, association, and district policies and procedures
Demonstrated proficiency in organizing and prioritizing work to meet deadlines
Strong written and verbal communication skills
Strong persuasive and interpersonal skills
Proficient in use of PC, including word-processing, e-mail and electronic spreadsheet software
Ability to perform basic office tasks and work in a typical office setting
Ability to work during established business hours, with occasional weekend and/or evening work
Eligibility to work in the United States; visa sponsorship or transfer is unavailable
Ability to lift and move items up to 25 pounds

Benefits

Comp & perks

Commitment to agriculture and the communities we serve
Family friendly work environment
Investment in employee development
Medical, Dental and Vision coverage
Outstanding 401k – automatic 3% employer contribution, plus match up to 6%
Generous Paid Time Off (Vacation accrued at 21 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time)
Competitive Incentive Compensation Plan
Disability & Life Insurance
Employee mental, physical, and financial wellness programs
The position is bonus eligible based on association and personal performance