Commercial Credit Analyst

6 days ago

Louisville, Kentucky, United States Farm Credit Mid-America Full time
About Our Opportunity

The Commercial Credit Officer is a key member of the credit team at Farm Credit Mid-America, supporting the company's commercial and corporate lending initiatives. This role is responsible for all credit activities related to the large and complex loan portfolio, working closely with sales, support, legal, finance, and accounting staff to achieve team goals.

About Food and Agribusiness

The Food and Agribusiness team is responsible for servicing the company's corporate and commercial lending customers. The portfolio includes originated loans, such as those where Farm Credit Mid-America may be the administrative agent with exposure sold to other lenders, and purchased interests in multi-bank syndications, participations, and other debt instruments.

Key Responsibilities
  1. Credit Underwriting: Lead the analysis and structuring of large commercial agribusiness and corporate credits.
  2. Work with the sales team, internal counsel, customers, and participation partners to structure loans that meet the customers' needs and protect the interests of Farm Credit Mid-America.
  3. Underwrite and act on credit actions within delegated authority.
  4. Analyze and develop recommendations for credit actions above individual delegated authority.
  5. Review and act on loan recommendations for other business units exceeding their delegated authority.
Risk Management:
  1. Identify the Probability of Default of assigned accounts and proactively monitor to maintain accurate loan classification and risk rating.
  2. Monitor the financial performance and covenant compliance of their assigned portfolio and disseminate as needed to partners and leadership.
  3. Lead activities that promote due-diligence and front-end guidance to the Food and Agribusiness team and Association.
  4. Support the loan closing and document review process.
Marketplace Presence:
  1. Accompany the VP of Food and Agribusiness on meetings with influencers, partners, current or prospective customers.
  2. Provide backup to sales staff by representing Farm Credit Mid-America at customer and lender meetings as needed.
  3. Develop and maintain a professional presence in an assigned industry.
Other Responsibilities:
  1. Support the team and Farm Credit Mid-America by sharing knowledge and expertise through activities such as coaching, training, mentoring, participation on work teams, etc.
  2. Represent and communicate the purpose and values of Farm Credit Mid-America and comply with its conduct policy, security policy, and confidentiality expectations.
  3. Perform other duties as assigned.
Requirements:
  1. Bachelor's degree in business, agriculture, or a related field.
  2. At least three to five years of progressively responsible credit experience.
Mental and Physical Requirements:

While engaged in this position, team members will routinely sit, use hands for tasks, and communicate orally. Standing or walking is frequently required, while occasional demands include reaching with hands and arms, and lifting or moving up to ten pounds. Vision requirements encompass close and distance vision. The work environment typically has a moderate noise level. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem-solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid driver's license, and the ability to drive a long-distance. Reasonable accommodations will be considered for individuals as requested.

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