Loan Services Credit Analyst

Thank you for your interest in joining our team!  At CGB, you can contribute to meaningful work, grow professionally and personally, and belong in a place where everyone has a voice.  

Founded in 1969, CGB Enterprises, Inc. is known as an innovative and progressive leader in the grain and transportation industries.  The combination of our assets provides a growing organization that is celebrating over 50 years of strength and stability!

AgriFinancial, a subsidiary of CGB Enterprises, Inc., is a premier, nationwide ag lender offering an array of flexible financial solutions and expertise to help landowners achieve their goals. Backed by CGB and partnered with a broad group of capital resources, our dedicated team of ag experts will work to find the right solution to fit you. 

If you love financial analysis, smart decision‑making, and helping customers succeed, this could be the job for you!

This job is primarily responsible for timely completion of underwriting and servicing actions for the company’s loan and lease portfolio customers. Responsibilities include, but are not limited to, assessing customer needs and determining the appropriate course of action, credit/financial analysis, written narratives and recommendations, maintaining the servicing action pipeline, communicating outcomes to applicable parties, strengthening knowledge of loan products and programs, and maintaining close working relationships with various internal and external parties.

In this job, you will:

• Perform underwriting and servicing responsibilities, including credit analysis to make recommendations in accordance with investor guidelines; which may include process partial releases, note modifications, rate changes, amortization modifications, interest rate conversions, payment or maturity date extensions, payment deferrals, and release of liability. 
• Log requests into the Servicing Action database upon receipt of a signed Authorization and Checklist. 
• Communicate with customers and seller banks (as needed) to understand service action requests, and coordinate the completion of such requests by close follow up with various internal staff, and external partners for approval.
• Request information and documents needed to advance and complete requests, such as financial information, contract documents, legal descriptions and other items as needed that require Collateral or Legal review prior to recommendation of the request.
• Analyze the financial data against credit standards.
• Write narrative explaining the request, history with the customer, impact of the request on the loan balance, payments and collateral and make recommendation to investor.
• Scan and index documentation related to requesting approval from the investor, including financial statements, credit reports, narratives, investor approvals and any other documents material to the request decision.
• Facilitate communication of pertinent details to ensure timely completion of modification documents by the Closing department. 
• Develop and maintain internal processes, procedures and checklists manual for all common requests, with specific instructions for each investor program.
• Ensure requests are in alignment with program requirements, involving developing and maintaining a strong working knowledge of all investor servicing guides and Master Servicing Agreements.
• Ensure timely completion of all investor reporting of modifications, including but not limited to the FAMC Modification File, and reconciliation of fees with Closing and Loan Accounting.
• Other duties as assigned.

Here’s what you’ll need to be considered:

Education

Required – Bachelor’s Degree or equivalent working experience.

Experience

Preferred – 3 years’ experience in agricultural loan underwriting.

Knowledge, Skills, and Abilities

• Advanced knowledge in credit analysis and loan structuring.
• Strong knowledge of, or ability to quickly learn, various programs, credit standards, and loan rate products offered by the company.
• General knowledge of the agricultural industry.
• Knowledge of, or ability to quickly learn, entity structures and related organization documents and loan documents.
• Effective computer skills, including working knowledge of Microsoft Office Suite (e.g. Excel, Word, Dynamics 365, etc.).
• Effective interpersonal, oral and written communication skills with the ability to interact with all levels of people within and outside the organization.
• Ability to understand and analyze financial statements.
• Ability to consistently exhibit qualities consistent with company philosophies to insure exemplary levels of service to all parties.
• Ability to work well both independently and within a team environment.
• Strong time management skills with ability to multi-task and prioritize.

Here’s additional information you need to know:

Physical Demands & Requirements

Sedentary work.  Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body.  Sedentary work involves sitting most of the time.  Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Ability to stand or sit constantly/continuously.

Hearing.  Perceiving the nature of sounds at normal speaking levels with or without correction.  Ability to receive detailed information through oral communication, and to make the discriminations in sound.

The employee is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading.

Environmental Conditions

The work environment described here are meant to be representative of those an employee would normally encounter while performing the essential functions of this job.

The physical environment requires the employee to work both inside and outside in heat/cold, wet/humid, and dry/arid conditions. Frequently required to use personal protective equipment.

Travel may be required for meetings, trainings, investor and/or producer visits; both regionally and nationally.

The expected base pay range for this role is:

$58,342.00 - $76,618.00

Actual pay offered may vary depending on multiple individualized factors, including work location, job-related knowledge, skills and relevant experience for the job. Pay amount does not guarantee employment for any particular period of time.

Are you ready to make a meaningful career move & an impact at CGB?  Apply today! 

 

Known in our industry for stability and high ethics, CGB Enterprises, Inc. offers a stellar benefits package including: an outstanding 401(k) retirement plan with company contributions, medical, prescription drug, dental, vision, life, & disability benefits, flexible spending accounts, paid leave (holidays, vacation, sick), wellness programs, recognition programs, community involvement opportunities, and much more!

 

CGB Enterprises, Inc. is an Equal Opportunity Employer.  EEO is the Law links in English or Spanish. We are unable to legally hire anyone who is not eligible to work in the United States nor are we able to sponsor visas.

The above is intended to describe the general content of and requirements for the performance of this position. It should not be construed as a detailed description of all the work requirements that may be performed in the job.

 

All Third Party Agencies, Headhunters, and Recruiters

CGB Enterprises, Inc. and its Subsidiaries only forms contracts with recruiters with whom we have an established relationship and with whom we have in place a signed contract. All contact from third parties must go through our Human Resources Department. Any contact made outside of our Human Resources Department by a third party will cancel any future business relationships between the third party and CGB Enterprises, Inc. and its Subsidiaries.