Principal Credit Officer Ag Lending

This position offers a hybrid work option up to 50% remote and is based out of the Waite Park, MN or Glencoe, MN office locations.Full-TimePrincipal

Salary105,700 - 160,300 USD per year

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Job Details

Experience: Minimum of 10 years of experience in Credit Analysis in a financial institution, preferred.
Required Skills: MS OfficeCRMFinancial analysis

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.
Minimum of 10 years of experience in Credit Analysis in a financial institution, preferred.
Knowledge of federal and state (Illinois, Minnesota, and Wisconsin) laws, regulations and compliance requirements specific to the financial industry and Farm Credit.
Expert knowledge of agricultural businesses and operations, crop insurance and livestock industries and associated production practices.
Expert knowledge of loan products, services, and credit operations.
Expert understanding of credit processing and servicing activities, accounting principles and practices, credit analysis procedures, credit administration, monitoring and reporting.
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.
Highly developed decision making, negotiating, and influencing skills.
Flexible and adaptable to changing situations.
Ability to work independently and collaboratively with other teams to achieve goals and represent the business.
Travel expected, may be required at times.
Valid driver’s license.

Analyzes complex financial and supporting documentation submitted for formal and informal lending and servicing requests.
Identifies, communicates, and assists in the collection of financial information required to process lending and servicing requests.
Approves, declines, or escalates complex credit decisions to higher authority levels as required.
Determines appropriate level of analysis and due diligence required based on credit risk.
Determines appropriate account classification and probability of default rating.
Effectively communicates credit decision, terms, conditions, and findings through a formal narrative write-up.
Establishes loan conditions and closing requirements for approved actions.
Provides guidance on credit-related issues that arise during the processing, closing, and servicing of lending transactions.
Mentors and trains less experienced team members.
Facilitates negotiation of credit agreements between Compeer, borrower, participants and outside counsel.

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