Sr. Credit Officer Wholesale

About This Role

This role involves analyzing and underwriting new credit requests, as well as making loan servicing decisions for existing clients, primarily focusing on large and complex loans within the agricultural sector across the United States. The position requires strong financial analysis skills and communication to collaborate with internal and external teams. This role contributes to balancing credit risk with loan growth and maintaining sound credit administration.

Responsibilities

• Analyze financial and supporting documentation for formal and informal lending and servicing requests.
• Identify, communicate, and assist in the collection of financial information required for processing requests.
• Make recommendations and/or approve under delegated authority loans, establishing appropriate terms and structures to manage risk.
• Maintain financial, collateral, and loan information in lending systems.
• Construct credit narratives for internal and external review.
• Provide financial solutions for ag-related loans.
• Work closely with Relationship Managers to structure new and existing client loans.
• Collaborate with originating banks through the loan process, assisting with credit-related issues and loan structures.
• Participate in client meetings with Financial Officers to enhance client relationships.
• Work closely with Financial Officers to balance credit risk with loan growth.

Requirements

• Bachelor’s degree in ag business, finance, economics or related field or equivalent experience
• 6-8 years of experience in a financial institution
• Knowledge of federal and state (Illinois, Minnesota, and Wisconsin) laws, regulations and compliance requirements specific to the financial industry and Farm Credit
• Advanced knowledge of agricultural businesses and operations, crop insurance and livestock industries and associated production practices
• Thorough knowledge of loan products, services and credit operations
• In-depth understanding of credit processing and servicing activities, accounting principles and practices, credit analysis, credit administration, monitoring and portfolio management
• Advanced interpersonal, collaboration, communication, team building, problem solving, analytical, organizational, and time management skills
• Strong computer skills, including MS Office applications, CRM programs, internal underwriting and database systems
• Strong analytical skills with attention to detail

Qualifications

• Bachelor’s degree in ag business, finance, economics or related field or an equivalent combination of education and experience.
• 6-8 years of experience in a financial institution.

Skills

* Required skills

Benefits