Job Opening: Credit Officer Specialized
- Company
- COMPEER FINANCIAL
- Location
- BALDWIN, WI
- Posted on
- April 27, 2024
JOB REQUIREMENTS: Compeer Financial is seeking collaborative, innovative
and dynamic professionals to be a part of our Top Workplace culture!
Tell me more about this opportunity. Position Overview: 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 dairy producers throughout
Compeer\'s territory and the United States. Credit decisions are made
based on targeted credit quality levels and volume/growth levels set by
executive leadership. The incumbent approves or denies requests within
their delegated authority with a majority of the time being spent on
completing analysis for large, complex loans, and communicating with
internal and external team members. Has some direct contact with
clients. Works with Lending Specialists to discuss loan packages and
provide financial counseling to the clients. Essential Functions: *
Proactively monitors lending portfolio and loan performance for the
organization and provides direction for loan classification. Completes
annual reviews in a timely manner. * Monitors interim financial
reports, borrowing base certificates, compliance certificates, and other
reports to monitor loan compliance. * Works directly with sales team or
with clients to develop a plan to cure loan delinquencies or other
servicing requests. * Determines how to structure stressed credits to
meet internal lending requirements, client expectations, and Compeer
growth objectives. * Coordinates with sales and RAU teams to develop
servicing plans and other monitoring requirements for higher risk client
relationships. * Monitors database exception reports to ensure
financial, collateral, and loan classifications are accurate. *
Analyzes financial and supporting documentation submitted for formal and
informal lending and servicing requests. * Enters balance sheets and
earnings statements into spreading software. Generates post close
balance sheets and projections for analysis. * Qualifies, validates and
reconciles financial information utilized in the credit decision making
process. Analyzes and understands current capacity, capital and cash
flow situation of client. * Identifies, communicates, and assists in
the collection of financial information required to process lending and
servicing requests. * Is responsible for keeping knowledge up to date
with industry trends and procedures. * Builds and maintains knowledge
and skills as a dairy industry resource by continuing to attend
meetings, seminars, conferences and tradeshows for industries financed
by the bank. Minimum Qualifications & Required Knowledge, Skills and
Abilities: * 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. * Basic to
solid knowledge of agricultural businesses and operations, crop
insurance and dairy industries and associated production practices. *
Basic to solid knowledge of loan products, services, and credit
operations. * Basic to solid understanding of credit processing and
servicing activities, accounting principles and practices, credit
analysis procedures, credit administration, monitoring and reporting. *
Requires solid interpersonal, collaboration, communication, team
building, problem solving, analytical, organizational, and time
management skills. * General computer skills, including Microsoft
Office applications, customer relationship management (CRM) programs,
internal underwriting and database systems. * Basic to solid decision
making, negotiating, and influencing skills. * Flexible and adaptable
to changing situations. * Ability to work independently and colla To
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