Senior Portfolio Analyst-Debt Capital Markets

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:

The Senior Portfolio Analyst on the Debt Capital Markets team will, with the guidance of the Debt Capital Markets Leader will work collaboratively, and when necessary, independently on the underwriting activities of a buy-side debt portfolio. Job responsibilities will include: (i) general business and economic analyses; (ii) financial analysis and modeling; (iii) business valuations; (iv) processing loan applications and credit report writing; (v) and loan legal documentation. The position requires preparation and presentation of credit package to Relationship Managers (RMs) or committees. The position includes a broad range of servicing and monitoring responsibilities, including assisting RMs with account servicing, credit administration, and loan documentation.
ESSENTIAL DUTIES:

- Develops credit information for use by RM and/or committees in making lending decisions on new loans, renewal loans, miscellaneous loan servicing actions and restructuring actions. Co-sponsors credit recommendation with RM.

- Reviews all pertinent credit and financial information; determines the need for more thorough investigation or additional information; analyzes financial statements, forecasts and related material; prepares summaries, presents facts, and offers opinions concerning eligibility, return, credit structure and overall creditworthiness. Prepares complete credit package for loan committee allowing sufficient time for review and decisioning.

- Performs credit administration, account servicing as it relates to Salesforce and nCino data quality and integrity. Ongoing monitoring and financial review of assigned portfolio. Keeps RMs informed of financial trends and compliance.

- Reviews credit agreements and other loan and participation documents to ensure alignment with approved credit actions.

- Provides timely response to internal or external account requests.

- Maintains strong working and collaborative relationships among deal teams and cross-functional departments.

- Maintains expertise in assigned market segments, keeping abreast of industry trends.

- Participates in the training and development of other Association staff and reviews the work of others as assigned.

- Attends lender meetings and industry events as necessary.

- May work on other projects and initiatives as assigned.

- Perform other functions/duties as assigned.

LEVELS OF SUPERVISION EXERCISED AND RECEIVED:

Generally, exercises no supervision. Makes independent decisions; works under the general direction of the Debt Capital Markets Leader. May mentor or train other staff.
TYPICAL KNOWLEDGE AND EXPERIENCE:

- Bachelor’s degree, majors in finance, business or related field is preferred. Familiar with accounting principles, and banking policies, procedures and processes.

- 7 years of prior experience in credit/financial analysis work.

- Demonstrated