AMVETS Jobs

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.

BASIC FUNCTION: This role is generally responsible for analyzing and evaluating credits for developing credit packages in conjunction with the Head of Credit Resolution. The Credit Resolution Relationship Manager will gather information necessary to make appropriate credit decisions, analyze credit and restructuring requests from start to finish, and obtain information from customers and third parties as necessary. Will serve as the main point of contact for resolving distressed credits. This position will compile the loan package, and with the Director of Credit Resolution make recommendations on loan and restructuring requests based on Association Underwriting Standards. Will complete analysis on various servicing actions on existing customers, such as restructures, extensions, forbearances, releases, assumptions, conversions, and charge offs . Responsible for management of existing designated loan portfolio as well as any new accounts transferred to the Credit Resolution Group. Provides training to credit staff and may serve as a member of or participate in loan committee meetings.

ESSENTIAL DUTIES:

Portfolio Management

Along with the Head of Credit Resolution, serves as the point of contact for all distressed loans.

Works with Underwriting to develop credit packages and loan servicing actions. Gathers information necessary to make appropriate credit decisions. Reviews and analyzes credit packages in conjunction with AAC Loan Underwriting Standards. Requests and reviews appraisal/field reports, obtain third party verifications, obtain credit reports, and request lien searches as necessary.

Develops credit packages and loan servicing actions.

Gathers information necessary to make appropriate credit decisions. Reviews and analyzes credit information presented; determines the need for more thorough investigation or additional information.

Requests appraisal/field reports, obtain third party verifications, obtain credit reports, and request lien searches as necessary.

Completes loan analysis, including financial statements, cash flows, loan analysis forms, trend sheets, writing narratives, preparing facts, and offering opinions concerning credit worthiness, risks and mitigants, and other forms as required. Formulates projections using historical financial data, current budgets and other information.

Makes approval recommendations on loan actions based on Association Loan Underwriting Standards while complying Borrowers Rights Regulations. Participates in loan committee meetings as may be required.

Process foreclosures, bankruptcy and other litigation issues with customers. Manages acquired properties.

Prepares quarterly Loan Servicing Reports, High Attention Credit Reports as well as other CRG Reports as required to monitor the portfolio. Monitors, coordinates and maintains loan servicing information. Maintains and completes loan monitoring. Maintains current interest rate analysis, recommends follow-up actions when necessary. Monitor loan process. Provide backup to loan officers on customer service issues and responds independently to requests for information and assistance.

Acts as second line of defense in monitoring the Association's potentially distressed loans. Monitors the Distressed Loan Notices sent and assists lenders and underwriters as necessary to reach credit resolution. Follows-up on actions arising from the Portfolio Watch and other watch list meetings.

Determines and reviews legal documentation. Coordinates with all credit and approval departments as well as with attorney's and title companies on loan closings.

Assists with developing training to the Association staff on distressed loan management processes. Assist with branch staff in discussions about restructure and liquidation issues.

Assist with any special projects where a Credit Resolution employee is needed. Travel is required.