About the role
About AgAmerica
AgAmerica Lending is one of the nation’s leading non-bank agricultural lenders, providing customized financing solutions to farmers, ranchers, and rural landowners across the United States. Our strength lies in our people—a team united by deep agricultural expertise, a collaborative mindset, and a shared commitment to serving Rural America. Together, we help our clients strengthen their operations and build for the future.
JOB SUMMARY
AgAmerica is seeking a Senior Analyst to join our fast-paced lending team. This individual will be responsible for assisting with the collateral evaluation and credit risk analysis for all loans underwritten by the Lending department as well as ongoing portfolio management of agricultural real estate loans. This person will interface with external clients to collect due diligence information, facilitate collateral evaluation, and analyze credit information to prepare credit packages for submission for credit approval. This individual will report to a senior member of the Lending team. This individual will be a detail-oriented self-starter with strong communication and interpersonal skills along with a strong knowledge of lending and financial analysis. The ideal candidate will have a pleasant demeaner and an ability to adapt to changing business needs and have a solution-oriented mindset.
JOB DETAILS
Hire Date: ASAP
Position Type: Full-time (Remote or Lakeland, FL)
Compensation: Salary negotiable based on experience, competitive benefits package, and bonus opportunity.
Benefits: Flexible work schedule, generous time off, health/dental/vision insurance, 401k program, fun work environment.
Reports to: Associate Director, Lending
JOB RESPONSIBILITIES
Active member of a deal team focused on collecting all the necessary information to analyze the underlying collateral land and determine the financial condition and credit worthiness of loan applicants
Interact directly with external clients to collect, organize, and review borrower, guarantor, collateral, and transaction due diligence information including identifying missing items and coordinate follow-up with both internal and external stakeholders
Prepare and engage appraisal bid requests to evaluate collateral
Ensure loans adhere to credit policy, are properly risk rated, and are priced according to risk
Clearly communicate findings during underwriting process both orally and in writing
Assist with the pre-closing process by confirming satisfaction of underwriting requirements, tracking outstanding conditions, and coordinating documentation and information needed for closing
Other duties as assigned.
PREFERRED QUALIFICATIONS
Bachelor’s degree in Business, Economics, Finance, Accounting or Agriculture; preferred
3+ years of commercial credit analysis, commercial lending, underwriting, or portfolio management experience; agricultural or real estate lending experience preferred.
Basic knowledge of real estate industry
Extensive knowledge of Excel and basic accounting principles
Excellent analytical skills
Detail-oriented and highly organized individual with the ability to multi-task
Fluency in Microsoft Office suite (Outlook, Excel, Word, PowerPoint, etc.)
CORE COMPETENCIES
Acute attention to detail
Excellent written and oral communication skills
Excellent organizational and communication skills
Ability to multitask and manage competing priorities in a fast-paced environment
Proven analytical ability for medium to high level complexity credits
Comfortable in a high-growth, fast-paced environment
Effective communication across departments
Strong interpersonal and communication skills, highly motivated and proactive
Ability to demonstrate good attitude, energy, and effort
Commitment to data-driven program evaluation
TRAVEL AND PHYSICAL REQUIREMENTS
Prolonged periods of sitting at a desk and working on a computer.
Must be able to lift up to 15 pounds at times.
Occasional travel may be required
AGAMERICA MISSION
To know the farmer.
To counsel the farmer.
To provide a financial structure that allows the farmer to thrive in good times and to sleep well during tough times.
To celebrate the critical role of the farmer in America, and to champion all that the American farmer represents in a changing world.
Originally posted on Himalayas