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Senior Portfolio Analyst

American AgCredit
life insurance, paid time off, paid holidays, sick time, 401(k)
United States, California, Merced
711 West 19th Street (Show on map)
Jun 04, 2025
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: Responsible for the management of a designed loan portfolio typically consisting of large and complex commercial and real estate loans. Analyzes new loan applications and other loan servicing request through the thorough analysis of financial statements, and all other pertinent credit information. Responsible for the approval/denial of loan actions through either the utilization of an assigned delegated authority or recommendation to a higher level of delegated authority (i.e. Underwriting or Lending Managers, loan committees, or CCO). Supports the lending relationship by assisting applicants in completing loan applications and supporting financial information, and serving as an additional point of contact for the customer. ESSENTIAL DUTIES: Assists customers in the preparation of loan applications, financial statements, and budgets. Analyzes financial statements, e.g., balance sheets and income statements, and other pertinent information required to process the loan request. Completes appropriate due diligence and presents facts and offer opinions regarding the overall creditworthiness of the request. Responsible for ensuring loan request are in compliance with the Association's policies/procedures and FCA Regulations. Inputs all required financial information and data into the financial analysis, loan origination and other loan processing systems. Approves/denies loan actions within assigned delated lending authority or recommends approvals to the appropriate individuals or loan committees. Assist with determining and reviewing legal documentation. Works across departments and with outside vendors, as needed, to ensure an effective and efficient loan origination/loan servicing process. Monitors assigned portfolio to determine potential servicing needs of the customer and to ensure customers stay in compliance with the terms and conditions of their loan(s). Serves as a point of contact for the customers within a designated loan portfolio. Provides backup to loan officers on customer service issues and responds independently to requests for information and assistance. Communicates and promotes the availability of loan products and other financially related services Serves as a trainer, mentor and trusted advisory to credit staff throughout the department. Remains informed on the business, economic and industry risks which impacts a designated loan portfolio. Represent the Association at public functions. Perform other duties assigned. LEVELS OF SUPERVISION EXERCISED AND RECEIVED: Makes independent decisions, works under general supervision of the VP - Underwriting Manager, or designee. QUALIFICATIONS: BA/BS degree with emphasis on agribusiness, business administration, or related major or four (4) years equitable experience is required. Seven (7) years' previous Underwriting/ Lending experience is required. Previous Underwriting Leadership experience is preferred. Advanced knowledge of agriculture and/or agribusiness, with demonstrated expertise in related regional commodities. Broad knowledge of loan products and other financial related services Strong understanding of sound credit administration practices with the ability to differentially analyze complex request. Above average understanding of cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis. Demonstrated analytical and statistical skills to effectively evaluate loan request and make the appropropriate independent opinion of credit worthiness of the applicant, aligned with the credit philosophy and risk appetite of the organization. Proven ability to effectively manage an above average loan portfolio consisting of more complex credits. Strong written and verbal communication skills. Strong interpersonal skills. Proficient in use of PC, including word-processing, e-mail, and electronic spreadsheet software Must be proficient in organizing and prioritizing work to meet deadlines. Ability to travel is determined by the position needs is required. JOB REQUIREMENTS: Must have the ability to perform basic office tasks and work in a typical office setting. Employee will be sitting for extended periods of time and accomplishing work at a desk and work at a computer for an extended period of time. Must have strong written and verbal communication skills to adequately convey ideas and work well with a team. Ability to talk and hear, sit and use their hands and fingers, and reach in all directions is essential in performance of the job. Some lifting and moving of items up to 25 pounds required. Work during established business hours and may require occasional weekend and/or evening work. PART-TIME REMOTE/HYBRID: These employees will work partly remote and partly onsite. Part-time remote employees will work with their managers to determine when and how often they are needed onsite. PAY RANGE: Minimum $98,644.40 - Max $167,695.49 Annual This range is reflective of the national salary average for this position and will be adjusted using geographic variance for physical location of the hired candidate. American AgCredit may compensate outside of the salary range for bona fide reasons not related to membership in a protected class. Reflected is the national base pay range and title offered for this job at the current level. Compensation, title, and job level may be adjusted based on candidate qualifications including but not limited to achievements, skills, experience, or work location. Salary offered, within the applicable range, is one component of the total rewards package offered to candidates. All hiring is contingent on eligibility to work in the United States. We are unable to sponsor or transfer visas for applicants. American AgCredit provides equal opportunity in employment to all employees and applicants. We celebrate diversity and do not discriminate on the basis of race, color, creed, religion, national origin, ancestry, alienage or citizenship status, age, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or related medical condition, military service or veteran status, victims of domestic violence, or any other characteristics protected by applicable federal, state, or local laws. American AgCredit prohibits harassment of any individuals on any of the bases listed above. If you need assistance or an accommodation due to a disability, you may contact us at jobs@agloan.com.