Portfolio Analyst, Commercial

American AgCredit

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

Posted 10/2/2026full-timeUnited StatesMid-LevelSenior💰 $71,139 - $123,959 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

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 customers and stakeholders.

Highest-signal resume keywords

Agricultural Lending ExperienceCredit AnalysisLoan Portfolio ManagementFinancial Statement PreparationFCA Regulations Knowledge

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Credit AnalysisFinancial Statement PreparationLoan Processing SystemsData InputCollateral InspectionsLoan Servicing ActionsBudget PreparationSpreadsheet ProficiencyLoan Application PreparationLegal Documentation Review

Soft Skills

Strong Written CommunicationStrong Verbal CommunicationPersuasive SkillsInterpersonal SkillsOrganizational Skills

Tools & Technologies

PC ProficiencyWord-Processing SoftwareEmail SoftwareElectronic Spreadsheet Software

Industry Keywords

AgribusinessFarm Credit SystemBankingLoan CommitteeCredit UnderwritingFinancial ServicesCustomer ServiceBusiness DevelopmentMarketing ProgramsLoan Products

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, 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

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 potentially required
Must be eligible 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
Bonus eligibility based on association and personal performance
Partly remote and partly onsite work arrangement