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.

Where you will work: This position offers a hybrid option to allow for occasional remote work, primarily working out of the Glencoe, MN office location.

The contributions you will make: 

Responsible for the accurate processing, closing, funding and servicing of transactions secured by real estate properties. Ensures closings are completed in accordance with regulations, policies and procedures.

A typical day: 

Processing and Documentation

• li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}">Follows established organizational policies and procedures to ensure transactions meet legal compliance with lending laws and regulations. 
• Collects documents and ensures appropriate due diligence is completed to confirm all underwriting conditions are met. 
• Verifies accuracy of legal descriptions, property ownership and legal access for real estate secured transactions of the organization. 
• Coordinates with Compeer departments and external companies to order title commitments, appraisals and flood zone determinations. Follows regulatory guidance as applicable. 
• Reviews title insurance commitments, deeds, real estate title documents, Uniform Commercial Code filings, fixture filings, and other related documents to confirm the organization’s collateral lien position. Confirms legal documents required to close a transaction and parties required to sign each legal document. 
• Independently creates or reviews settlement statements and/or disbursement agreements in accordance with the transaction to ensure the funds are disbursed accurately. 
• Collaborates with internal and external parties to resolve issues affecting title insurance or exceptions to the organization’s policies and procedures in the context of a specific transaction. 
• Coordinates on-site and off-site closings with internal and external clients and executes the closing transaction with clients by explaining all forms, answering client questions and securing appropriate signatures on all documents, as needed. May perform witness closings. 
• Administers funding execution and proper booking and data maintenance. 
• Works with Legal Department and Title Review teams on collateral related documents, such as Consents, Subordinations and Contract Assignments, as needed. Drafts supplemental loan closing documents when necessary. 
• Files legal documents with appropriate government entities to perfect Compeer’s lien position. 
• Answers questions and provides solutions to internal and external clients on matters relating to the organization’s procedures involving closings, legal documents, title insurance, real estate and chattel collateral. 

Client Service

• li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}">Works closely with internal and external clients to set up, organize, verify and close mortgage loans, short-term loans and large transactions for all business units serving the organization’s clients. 
• Collaborates with sales to service all aspects of client relationships within the lending territory. Assists team members with transactions and loan servicing. 
• Provides exceptional client service, determines client needs and meets those needs to the extent of delegated authority, including disbursement of funds and working within credit underwriting guidelines. 
• Assists Lending Client Coordinators by providing backup to all job functions as needed.

Transaction Final Review

• li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}">Conducts a post-close review of transactions to ensure they were closed in accordance with the organization’s policies and procedures. Reviews all documents related to the transaction. 
• Documents the actions that were taken to ensure the organization has obtained the expected lien position or its equivalent, as required by law and by the organization’s policies and procedures. 
• Remains current with regulatory and compliance procedures to ensure all transactions comply.

The skills and experience we prefer you have: 

• li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}">Associate’s degree in accounting, business administration, legal, agriculture or related field; or related field or an equivalent combination of education and experience sufficient to perform the essential functions of the job. 
• li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}">Closing Agent License; Insurance Producer License preferred (or ability to obtain within twelve months).
• li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}"> li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}">Commissioned as a Notary Public for the state (or ability to obtain within three months); may include e-notary. 
• li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}"> li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}">Working knowledge of loan approval processes and requirements, personal property security documents, real estate, legal, banking, security requirements and title insurance. 
• li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}"> li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}">Working knowledge of legal descriptions and collateral documents to gather appropriate information for document preparation.
• li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}"> li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}">Basic accounting and mathematical skills to calculate data, reconcile funds and determine payoffs.
• li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}"> li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}">Skill in processing complex, detailed information in an accurate and thorough manner. 
• li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}"> li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}">Effective interpersonal, oral and written communication and client service skills. 
• li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}"> li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}">Computer skills, including Microsoft Office applications and programs and/or other systems needed to perform functions of the role (Webex and Video conferencing). 

#IND200

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.