Sr Credit Officer

The role

This person analyzes complex credit requests and makes loan servicing decisions for existing clients. They perform financial analysis and underwriting for livestock and crop producers throughout the territory and the United States.

What you will do

• Analyzes complex financial and supporting documentation for lending and servicing requests.
• Enters balance sheets and earnings statements into spreading software.
• Makes recommendations or approves loans within delegated authority.
• Constructs credit narratives for internal and external review.
• Creates innovative credit packages and provides financial solutions to ag-related loans.
• Works with Lending Specialists to structure loans and balance credit risk with growth.
• Facilitates negotiation of credit agreements.
• Prepares and packages syndications and participations for sale.
• Monitors lending portfolio and loan performance.
• Visits clients regularly to view operations.

Required qualifications

• Bachelor’s degree in ag business, finance, economics or related field or an equivalent combination of education and experience sufficient to perform the essential functions of the job.
• Knowledge of federal and state (Illinois, Minnesota, and Wisconsin) laws, regulations and compliance requirements specific to the financial industry and Farm Credit.
• Advanced knowledge of agricultural businesses and operations, crop insurance and livestock industries and associated production practices.
• Thorough knowledge of loan products, services and credit operations.
• In-depth understanding of credit processing and servicing activities, accounting principles and practices, credit analysis, credit administration, monitoring and portfolio management.
• Advanced interpersonal, collaboration, communication, team building, problem solving, analytical, organizational, and time management skills.
• Strong computer skills, including MS Office applications, customer relationship management (CRM) programs, internal underwriting and database systems.
• Strong analytical skills with attention to detail.
• Flexible and adaptable to changing situations.
• Ability to work independently and collaboratively with other teams.
• Valid driver’s license.

Nice to have

• Minimum 7 years of experience in credit analysis in a financial institution

Benefits

• Hybrid model – up to 50% work from home
• Flexible schedules
• Up to 9% towards 401k (3% fixed Compeer contribution plus up to 6% match)
• medical, dental, vision, HSA/FSA, life & AD&D insurance, short-term and long-term disability, wellness program & EAP
• Vacation, sick leave, holidays/floating holidays, parental leave, and volunteer paid time off
• Learning and development programs
• Mentorship programs
• Cross-functional committee opportunities
• Professional membership/certification reimbursement

Before you apply

• Must be authorized to work for any employer in the United States.
• Compeer is unable to sponsor or take over sponsorship of an employment visa at this time.

About the company

Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin. They provide financial services to support agriculture and rural communities.