Portfolio Monitoring Analyst

Why should you join our team?

American AgCredit offers a unique opportunity to be a part of a national financial system supporting those who feed, clothe and fuel the world. We are a growing organization embracing collaboration and innovation while delivering transformative solutions. American AgCredit provides a cultivating environment where you truly make a difference for our customers and teams.

Benefits offered by American AgCredit:

• 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

Position will be posted until filled.

BRIEF DESCRIPTION

The Portfolio Monitoring Analyst is responsible for the monitoring and servicing of existing and new accounts. The role will require review, validation, reconciliation, and trending of tested financial covenants, borrowing base certificates, spreading of financial statements, and annual financial reviews on Production Agriculture, Agribusiness, and Capital Markets accounts. The position requires analysis and presentation of trend and performance reports to underwriters, account officers, and other company personnel. 

ESSENTIAL DUTIES

• Spreads and analyzes financial statements to determine financial performance trends including repayment capacity, liquidity, leverage, capitalization trends, and sources and uses of cash.

• Oversees ongoing financial performance of existing accounts through performance of annual financial reviews, and review, validation, and trending of borrowing base certificates and tested financial covenants.

• Analyzes all pertinent financial information and supporting reports. Determines the need for additional information or more thorough investigation. Analyzes information statements and related material.

• Manages review of reporting information with efficient and accurate follow up.

• Reviews credit agreements and other loan documents to support covenant monitoring and financial performance review.

• Communicates effectively with deal teams regarding ongoing performance trends of assigned accounts.

• Reviews and understands chattel and real estate appraisals.

• Assists in collateral control activities including but not limited to, inventory analysis and verification, and accounts receivable maintenance and verification.

• Perform other duties as assigned.

LEVELS OF SUPERVISION EXERCISED AND RECEIVED:

Makes independent decisions; works under general supervision of VP-Underwriting Manager or designees.

BASIC QUALIFICATIONS

• Bachelors’  degree in Finance, Accounting, Business Administration, Agribusiness,  or Ag Economics, or minimum of four (4) years’ experience in lieu of degree is required. 

• Previous work or internship experience with a customer facing or equitable position/role is required.

• Familiar with accounting principles, banking policies, procedures, and processes. 

• Strong analytical and statistical skills to validate, evaluate, prioritize, and categorize data in various formats is required. 

• Self-starting with great attention to detail and pride in accurate work is required.

• Highly organized with good prioritization skills and can thrive in a fast-paced environment.

• Proficient with Microsoft Office programs, specifically Excel, is required.

• Strong collaboration and communication skills. Ability to communicate effectively, both verbal and written, is required.

ESSENTIAL REQUIREMENTS

Must have the ability to perform basic office tasks and work in a typical office setting. Employee will be sitting for extended periods of time and accomplishing work at a desk and work at a computer for an extended period of time.  Must have strong written and verbal communication skills to adequately convey ideas and work well with a team.  Ability to talk and hear, sit and use their hands and fingers, and reach in all directions is essential in performance of the job. Some lifting and moving of items up to 25 pounds required. Work during established business hours and may require occasional weekend and/or evening work.  Travel may be required. 

PAY RANGE:

All hiring is contingent on eligibility to work in the United States. We are unable to sponsor or transfer visas for applicants.

American AgCredit provides equal opportunity in employment to all employees and applicants. We celebrate diversity and do not discriminate on the basis of race, color, creed, religion, national origin, ancestry, alienage or citizenship status, age, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or related medical condition, military service or veteran status, victims of domestic violence, or any other characteristics protected by applicable federal, state, or local laws. American AgCredit prohibits harassment of any individuals on any of the bases listed above.
If you need assistance or an accommodation due to a disability, you may contact us at [email protected].