Where you will work: 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. 

The contributions you will make: This position analyzes new credit requests, makes loan servicing decisions for existing clients and performs other essential credit duties. Completes the financial analysis and underwriting on a variety of crop and livestock industries throughout Compeer’s territory. Makes credit decisions that are consistent with established credit policies, procedures and best practices. The incumbent approves or denies requests within their delegated authority with a majority of the time being spent on completing loan analysis on more complex client relationships and communicating decisions to internal and external team members. Frequently meets with clients and Financial Officers to discuss loan packages and provide financial counseling to clients. Visits clients on the farm regularly to view their operations.

A typical day: 

• 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.
• Develops innovative credit solutions to meet client needs.
• Proactively monitors lending portfolio and loan performance for the organization and provides direction for loan classification.
• Collaborates with sales team and clients to develop a plan to cure loan delinquencies or other servicing requests.
• Structures stressed credits to align with lending requirements and growth objectives.
• Coordinates with sales and risk assessment units to manage higherrisk client relationships.
• Monitors database exception reports to ensure proper financial, collateral, and loan classifications are accurate.
• Works closely with sales and operations teams to balance credit risk with portfolio growth.
• Works jointly with Financial Officers and other team members to implement Team Relationship Model approach with key clients.
• Meets with clients to discuss financial performance relative to Compeer's credit standards and industry norms.
• Prepares and presents financial peer reports, industry benchmark analysis and other financial counseling tools to clients.
• Help's clients understand their financial standing and set future goals.
• Stays informed about industry trends and procedures.
• Builds and maintains knowledge and skills within crop and livestock industries served by Compeer by reviewing industry publications, reviewing internal guidance, internal trainings, attending meetings, seminars and conferences.
• Participates in industry updates and webinars to stay up-to-date on market changes and other industry news.

The skills and experience we prefer you have: 

• 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.

#IND100

How we will take care of you:

Our job titles may span more than one career level (associate, senior, principal, etc.). The actual title and base pay offered is dependent upon many factors, such as: training, transferable skills, work experience, business needs and market demands. The base pay range is subject to change and may be modified in the future. This role is eligible for variable compensation and other benefits.

This position offers a hybrid work option up to 50% remote and is based out of the Waite Park, MN office location.

The contributions you will make: 

This position participates in a 6-18-month training program designed to develop a high-performing sales team member. The primary focus of the program is sales training, with a particular emphasis on Ag Lending and Crop and Livestock Insurance. The incumbent follows a comprehensive syllabus that includes modules on Sales, Crop Insurance, Credit, Appraisal, and Marketing. Upon successful completion of the program, the incumbent is wellprepared to assume a sales position in Ag Lending or Crop and Livestock Insurance.

A typical day: 

Industry Expertise

• Participates in classroom and experiential training to gain in-depth understanding of the agricultural industry. 
• Facilitates learning and collaboration by engaging with team members across Compeer’s diverse geographical locations. 
• Attends agricultural meetings, farm open houses/tours, trade shows, extension meetings and other networking events to keep current on agriculture and financial market changes. 
• Attends education events, training events and industry meetings to advance professional and technical skills.

Sales and Relationship Development

• Markets loans and related services, establishing new market relationships that will contribute towards attainment of Compeer’s goals and business objectives.
• Assists with the maintenance of prospect files, establishing ongoing prospecting plans and activities, and developing and making a commitment to individual sales goals for both loans and related services.
• Administers loans, policies and appraisals to cultivate positive client relationships that contribute to Compeer’s success. 
• Assists in building client relationships and prospecting new clients, while collaborating with experienced sales team members to establish criteria for long-term success.
• Accompanies sales team members on client and prospect visits and actively participates in the sales process. 
• Processes loans, utilizes loan origination system, and analyzes financial information assigned by Marketplace Leadership. 

Special Projects

•  Assists with research as directed by team leader to advance the department or organization.
• Fills in for a departed full-time sales person until a full-time position is hired.
• Provides support with responsibilities during the vacancy of a full-time sales position as needed.

The skills and experience we prefer you have: 

• Bachelor’s degree in agricultural economics, ag business or related field or an equivalent combination of education and experience sufficient to perform the essentials functions of the job. 
• Experience in agribusiness/farming industry, agricultural credit or closely related field preferred.
• Ability to obtain an Insurance License within six months of hire is required.
•  Ability to make sound judgments is required.
• Solid organizational, interpersonal, communication, problem solving, analytical, negotiating and influencing skills are required.
• Knowledge of farm production methods and products, a general understanding of farm business management 
  and finance.
• Must demonstrate effective team building and processing skills.
• The understanding of and ability to use various computer, business/financial applications is required.
• Knowledge of “value added” business and farming concepts.
• Knowledge of loan products and services, as well as credit operations.
• Knowledge of farm production methods, farm products, and farm business management/finance. 
• Effective interpersonal, communication, client service and team skills. 
• Effective problem solving and decision-making skills. 
• Strong computer skills, including MS Office applications and customer relationship management (CRM) programs. 
• Strong analytical skills with attention to detail.
• Flexible and adaptable to changing situations. 
• Ability to work independently and collaboratively with other teams to achieve goals and represent the business. 
• Ability to network with clients, prospects and key influencers.
• Knowledge of accounting principles with an understanding of financial reports, ratio and benchmarks.
• Travel is required during the training program.
• Valid driver’s license. 

#IND100

#LI-SG1 

How we will take care of you:

Our job titles may span more than one career level (associate, senior, principal, etc.). The actual title and base pay offered is dependent upon many factors, such as: training, transferable skills, work experience, business needs and market demands. The base pay range is subject to change and may be modified in the future. This role is eligible for variable compensation and other benefits.

Where you will work: This position offers a hybrid work option up to 50% remote and is based out of the Waite Park, MN or Rice Lake, WI office locations.

The contributions you will make: 

This position is responsible for the origination of home, recreational land/bare land and home site loans in rural areas and communities. You will maintain acceptable levels of loan unit/volume origination while building strong professional and client relationships and maintain high client satisfaction results. Combines mortgage and business knowledge with an in-depth understanding of each client’s financial position to provide innovative and workable alternatives to create the best avenue to accomplishing client’s goals. Markets Compeer’s products and services to industry partners and prospective clients based upon their wants and needs. Supports and builds the Compeer Financial brand by developing a referral network of realtors, builders, consumer direct as well as other financial service providers and internal team members. You will service a growing market of hobby farms, rural properties, and conforming properties.  

A typical day: 

Sales and Marketing 

• Proactively markets and sells credit and related services, establishing new market relationships which contribute toward attainment of Compeer goals and business objectives.   
• Creates networking and prospecting strategy that is suitable to servicing each territory and ensure alignment with Compeer’s branding and marketing protocol.  
• Maintains positive accomplishments with client relations, community recognition, and contributions to the Compeer Financial image as the leading financial institution committed to clients in rural areas. 
• Monitors and appropriately uses discretionary marketing budget throughout the year. 

Loan Origination 

• Originates loans by proactively seeking applications. 
• Gathers income and verifies financials. 
• Determines the appropriate loan program and terms to meet the client’s needs. 
• Works with the credit and processing teams to secure a credit decision and ultimately a timely closing.
• Acts as a liaison between client(s) and all Compeer Financial operations members as well as certain third parties.

Client Relationships 

• Maintains client relationships through frequent interactions and periodic sales calls. 
• Delivers value added informational services to the client. 
• Discusses loan programs and terms.  
• Addresses all client concerns throughout the process.

Industry Knowledge 

• Builds and maintains a strong understanding of Consumer Lending practices. 
• Maintains and builds upon “local” knowledge of their own LSA. 
• Gains knowledge of client’s hopes and dreams and ultimately helps to implement those within the rural marketplace.

Community Involvement 

• Develops and maintains a significant “professional presence” throughout the local community. 
• Provides formal group presentations and information workshops on current Rural Living Solutions topics and issues.    
• Maintains active involvement in various related professional groups. 

The skills and experience we prefer you have: 

• Bachelor’s degree in business administration, finance, agriculture or related field or an equivalent combination of education and experience sufficient to perform the essential functions of the job. 
• NMLS registration required.
• Demonstrate understanding of mortgage processing, underwriting and closing procedures. 
• Strong listening, written and verbal communication skills, with ability to communicate at all levels of the organization. 
• Skill in developing and maintaining interpersonal relationships. 
• Strong problem solving, decision making and organizational skills. 
• Strong computer skills, including Microsoft Office applications and customer relationship management (CRM) programs. 
• Strong analytical skills with attention to detail. 
• Effective sales skills.  
• Solid time management skills.  
• Ability to work independently and collaboratively with other teams to achieve goals and represent the business.   
• Valid driver’s license. 

#LI-CL1

#IND100

How we will take care of you:

Our job titles may span more than one career level (associate, senior, principal, etc.). The actual title and base pay offered is dependent upon many factors, such as: training, transferable skills, work experience, business needs and market demands. The base pay range is subject to change and may be modified in the future. This role is eligible for variable compensation and other benefits.

In addition to base salary, this role is eligible for a Commission-based plan. Commission is uncapped and earned based on New Loan Volume per month (portfolio plus secondary market volume). This role is also eligible for a variable compensation, which may vary year to year. 

This position offers a hybrid work option up to 50% remote and is based out of the Waite Park, MN office location.

The contributions you will make: 

This position is responsible for the management and servicing of high risk asset portfolio’s across an assigned region or territory. Evaluates, underwrites and makes credit decisions for commercial, traditional, investor, and consumer loan requests originated by Compeer team members and decides if the characteristics of the credit package present an acceptable level of credit risk for the organization. Provides relationship based financial solutions for farmers, investors, and rural consumers in area of expertise within delegated authority. May be assigned a specific industry or subject matter on which to focus. 

A typical day: 

Credit Analysis and Decision Making

• Analyzes financial and supporting information 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 credit decision 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 the credit decision, terms, conditions, and findings through a formal narrative write-up.
• Establishes loan conditions and closing requirements for approved actions.
• Answers questions and provides direction on any credit related issues that arise during the processing, closing, and servicing of lending transactions.
• Serves as a resource to credit team members regarding policies, procedures, and credit related matters.

Credit Counseling

• Partners with team members to provide credit counsel and financial solution options for clients.
• Determines how to structure credits to meet internal lending requirements, client expectations, and the organizations growth objectives.
• Meets with clients to provide quantitative assessments of financial performance in relation to internal lending standards.
• Monitors assigned credit leasing portfolio and assists Farm Credit Leasing Special Assets and Compeer Risk Asset units as required in servicing delinquent and stressed accounts.
• Establishes servicing plans and other monitoring requirements for financially stressed accounts

Collection Services

• Conducts and participates in complex negotiations for collecting or correcting non-performing accounts.
• Approves or denies restructuring applications, standstill agreements and re-amortizations.
• Counsels and convinces clients to agree on a workable solution.
• Approves sending account to attorney to file litigation.
• Inspects security to determine condition and approves partial release of security.
• Discusses collection strategies with peers, legal counsel, and various research companies to develop the best collection strategy
• Manages the collections of loans for contract entity by collecting loan payoffs and negotiating settlements.
• Manages legal activities related to strategy, litigation, proceedings and hearings

Subject Matter Expert

• Acts as Compeer’s representative for activities and business transactions in assigned industry or line of business.
• Keeps knowledge up to date with industry trends and procedures.
• Attends off site training events to keep current as necessary.

The skills and experience we prefer you have: 

• Bachelor’s degree in agriculture, finance, accounting, or related field; or an equivalent combination of education and experience sufficient to perform the essential functions of the job.
• 5+ years of experience in agriculture and business/finance.
• Oral and written communication skills sufficient to discuss a variety of job-related topics and effectively communicate complex topics to a variety of audiences.
• Skill in analyzing information to formulate logical and objective conclusions.
• Skill in utilizing Word/Excel/PowerPoint/Outlook to increase efficiency and/or effectiveness.
• Skill in utilizing a systematic approach to problem solving. 
• Solid knowledge of loan analysis and sound credit administration principles. 
• Skill in negotiating acceptable and favorable terms and conditions related to loan collections. 
• Solid knowledge of Borrower Rights related to loan servicing. 
• Working knowledge of real estate marketing related to acquired property management. 
• Extensive Credit Underwriting experience. 
• Basic accounting knowledge. 
• Ability to establish and maintain a network of internal and external agricultural influencers and professionals

#IND100

How we will take care of you:

Our job titles may span more than one career level (associate, senior, principal, etc.). The actual title and base pay offered is dependent upon many factors, such as: training, transferable skills, work experience, business needs and market demands. The base pay range is subject to change and may be modified in the future. This role is eligible for variable compensation and other benefits.