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Career Opportunity: Credit Analyst Country Home Loan Credit

Job Title
Credit Analyst Country Home Loan Credit
Organization
Farm Credit Mid-America, ACA
Location
Louisville, Kentucky
Department
Experience Level
Entry Level (1-4 years)
Supervisor's Title
Category
Financial Services
Salary Range
DOE, depending on experience
Posted Date
Friday, December 29, 2017
Closing Date
Open until filled
Job Description

At Farm Credit Mid-America, we believe people are our strongest asset. We are consistently looking to hire individuals from a wide range of experience and capabilities who have a desire to serve. Currently, we have over 1,100 employees across Indiana, Ohio, Kentucky and Tennessee.

 

The Credit Analyst serves the Association’s internal and external customers by analyzing and processing loan requests, loan servicing requests, and other credit services.  Provides analysis of loan applications for new or renewed loans, pre-approved lines of credit and loan servicing.  Approves or denies loans within delegated authority, makes recommendations for loans exceeding authority, and establishes appropriate loan terms to manage loan risk.

 

Participates in the ongoing design of processes to provide exceptional service, achieve satisfactory credit administration goals, and achieve targeted credit quality while providing adequate compensation for risk.

 

 

MAJOR RESPONSIBILITIES:

 

  • CUSTOMER RELATIONSHIPS:  Works in conjunction with sales staff and alliance partners to understand customer goals, financial information, credit strengths and weaknesses, and deliver “value added” constructive lending that will assist our customers and prospective customers.  Works with sales staff and alliance partners to design innovative credit packages to meet customer needs while maintaining high credit standards of the Association. Explain loan decisions to sales staff and alliance partners in a way that they can effectively communicate and serve the customer.

 

  • LOAN ANALYSIS:  Analyzes loans originated by sales staff and alliance partners.  Provides prompt turnaround on loan decisions incorporating sound credit on the loan structure, terms, pricing, and documentation.  Analyzes loans for loan servicing request requiring credit decisions.  Provides ongoing credit analysis to identify loans that expose the Association to risk.

 

  • CREDIT EXPERTISE:  As an important resource to our customers and the sales staff/alliance partners, the Credit Analyst will build his/her expertise in the areas of agriculture, residential, credit, finance, technology and the needs of the unit’s market segment.  Maintains a working knowledge of all specialized programs and utilizes the programs as necessary in the administration of credit.  Serves as a credit resource, and coaches others in the association.

 

  • CREDIT ADMINISTRATION AND REPORTING:  Recommends, implements, and administers regulations, policies, and procedures in relation to credit and operation objectives.

 

  • Represents and communicates the mission and values of Farm credit Mid-america and complies with its conduct policy, security policy and confidentiality expectations.

Other duties may be assigned.

 

MINIMUM REQUIREMENTS

  Education and Experience

Bachelor’s degree in agriculture, business or related field.

 

.KNOWLEDGE, SKILLS AND ABILITIES:

KEY COMPETENCIES: Active listening, analysis, coaching, decision making, decisiveness, initiative, integrity, motivational fit, oral communication, problem solving, teamwork, work ethic.

 

Knowledge of:  Laws, regulations, principles, policies and procedures regarding agricultural commercial and mortgage credit lending; consumer mortgage lending; agriculture, consumer credit, credit administration, credit bureau, chattel and real estate security legal requirements; FCMA products, services, fees and their applications to customers’ needs; economic conditions; FCMA accounting and credit systems; automation and technology

 

Skills in:  Credit analysis; credit administration; loan packaging; negotiating; decision making; effective communication; organization; team; matching terms, products and services to customer needs; translating features into benefits;  interpersonal relations; listening; using FCMA accounting and credit systems; computers and software; prioritization; verbal and written communications; and creative problem solving.

 

Ability to:  Achieve goals; make timely, decisive and accurate decisions; work with speed and accuracy; be innovate; accept and implement corporate strategies; demonstrate the values of FCMA; maintain confidentiality; be a self-starter; sell; be assertive; be a team player; relate positively to others; listen to customers; use FCMA systems and computers; be logical and objective; perform under stress; deal with change; overcome objections; manage time; assess risk; inspire others; professionally represent FCMA.

 

 

MENTAL AND PHYSICAL REQUIREMENTS:

This job requires the incumbent to have the ability to…

  • Engage in telephone and face-to-face conversation to serve customers and give and receive information from customers, staff, vendors, outside consultants and the public.
  • Use computer.  This involves reading the screen and keying/typing information.
  • Speak and make presentations to individuals or groups on technical subjects related to job.
  • Travel via auto or commercial transportation to carry out essential responsibilities of the job.
  • Successfully interact with and represent the organization to customers, staff, officers, board members, vendors, and/or the public at all levels.
  • Provide sound technical advice to customers and other staff in the subject field(s) related to this position.
  • Understand and explain various subject matter and consulting concepts, programs, terminology, and methods.
  • Reason, judge, compare, calculate, evaluate, decide, and critique such information as written material, numerical data, responses to customer needs, and/or other related work activities.

 

Requirements of the job include the ability to do the work, with or without reasonable accommodations. It is the Association's policy to make reasonable accommodations for individuals with disabilities. Leadership retains the right to add, subtract or change duties of the position at any time.

 

This document does not create an employment contract, implied or otherwise, other than “at will” employment relationship.

 

 

 

 

Farm Credit Mid-America is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status or disability.