Capital Markets Officer
Summary & Objective:
Provides assistance on other complex agribusiness accounts when requested by the Director of Capital Markets and Agribusiness. Responsible for recommending and coordinating the purchase/sale of participation loans. Builds and maintains relationships with high profile borrowers and their business partners.
Through a team approach, responsible for the marketing, business development, negotiating, analyzing and structuring of complex agribusiness accounts. Provides assistance on other complex agribusiness accounts when requested by the Director of Capital Markets and Agribusiness. Responsible for recommending and coordinating the purchase/sale of participation loans. Builds and maintains relationships with high profile borrowers and their business partners. Ability to interpret and communicate complex financial issues and industry trends with borrowers. Comply with all AgCredit, ACA policies and procedures while maintaining regular and punctual attendance as expected of this position.
- Spend a majority of time in the field building professional relationships with customers, prospective customers, and influencers.
- Develop relationship with other lenders to increase participation possibilities.
- Develop and maintain a significant professional presence with eligible commercial agriculture businesses both within and outside the association territory.
- Coordinates with other branch managers and account officers to provide high quality service and share appropriate information.
- Leads in the marketing of high profile agribusiness accounts.
- Assists with the analysis and servicing of participation loans purchased by the association.
- Determines appropriate controls and monitors follow-up on servicing plans.
- Directly involved in negotiating terms, credit analysis, loan structuring, and servicing plans on large commercial loans.
- With the support of a credit analyst interpret and evaluate financial information to arrive at a quality credit decision consistent with association underwriting standards.
- Provide excellent customer service relating to loan approvals, credit support and loan processing while maintaining sound loan quality and credit administration. Coordinates with all participants including reporting, loan requests, and all other loan servicing issues.
- Reports and updates management and the board on accounts on regular basis.
- With the support of a credit analyst monitors loan servicing plans and tracks loan covenants and ensures appropriate compliance reports are received.
- Serves as a credit resource and coach to others in credit.
- Maintain a working knowledge of government guarantee programs and other government programs while utilizing the programs as necessary in the administration of credit.
- As a part of the Agribusiness team, build expertise in the areas of agriculture, credit, finance, technology and other needs of the agribusiness market.
Management skills required including organizing and planning, judgment, decisiveness, analysis, delegation and control, communication and interpersonal skills.
Demonstrated competencies in credit administration and loan servicing.
Demonstrated supervisory skills.
PROBLEM SOLVING AND DECISION-MAKING
Functions under managerial direction.
Makes decisions of approval or recommendation on large corporate and complex loans. Determines proper structure, loan servicing plan and monitoring. Also makes decisions on unplanned loan servicing (treatments) requests on these loans and determines what functions can be delegated to branch office personnel on routine servicing and monitoring.
A minimum of 5 years of commercial credit experience in an agricultural-related field.
Thorough understanding of GAAP accounting and analysis of corporate credit.
Extensive knowledge of agriculture.
Preferred SkillsA minimum of two years loan processing experience (residential lending processing experience is preferred).
Bachelor's degree in Business, Finance, or Agricultural field. Advanced education preferred and/or certificate from a graduate school of banking.
Maintains a current awareness of economic developments and production technology affecting agriculture.
Position location is dependent on area of successful applicant.
Office hours are 8:00 am. - 4:30 pm, Mon - Fri. (half hour lunch)
General office environment.
Reliable transportation is required.
Travel to/from other branch offices, associations, AgFirst or other facilities as deemed necessary.
Must be capable of overnight stays as necessary for training.
Applications accepted through January 24, 2021.
We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, gender identity, sexual orientation, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law.
If you need a reasonable accommodation for any part of the employment process, please contact us by email at email@example.com and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address.
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