Director of Credit Analysis and Strategies

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Job description

JOB SUMMARY

AgAmerica Lending is seeking a seasoned credit professional to join its team as the Director of Credit Analysis and Strategies reporting directly to the Chief Credit Officer. The incumbent will be an Ag credit expert that contributes to the rapid growth of the company in a variety of disciplines including deal analysis, strategies, training and development. Success will be defined not only through individual contributions within the Credit Department, but also through impact made leading and influencing across the organization.

JOB DETAILS

• Hire Date: ASAP
• Position Type: Full-time, exempt
• Compensation: Salary negotiable based on experience, competitive benefits package, and bonus opportunity

JOB RESPONSIBILITIES

While the job description offers a best assessment of functional allocation, needs at a given time will likely vary based on workflow priority.

DEAL ANALYSIS (50%)

• Work with Director of Portfolio Management, Portfolio Analysts and Special Asset Manager to analyze the most complex credits being evaluated for servicing actions, loss mitigation activities, etc.
• Assist Loan Origination Teams with identifying critical risk issues during underwriting process.
• Act as a "pre-flight" resource to the Loan Origination Teams on large, complex deals ahead of Credit Committee presentation.
• Coordinate with credit-focused counterparties to help insure strong risk alignment.

CREDIT STRATEGIES (30%)

• Bring to bear a deep knowledge of agricultural credit profile characteristics.
• Ability to apply portfolio and macroeconomic analysis against credit product evaluation and development.
• Contribute to marketplace assessment and identify opportunities that align with the company's strategy.
• Work closely with Chief Credit Officer, Director of Portfolio Management and Chief Economist to leverage portfolio and agricultural industry data to inform enterprise credit posture.

CREDIT TRAINING/EDUCATION (20%)

• Support Chief Credit Officer with enterprise credit training efforts.
• Collaborate with adjacent non-production functional areas such as Capital Markets and Loan Servicing to share insights/observations on trends in credit markets.

REQUIRED QUALIFICATIONS

• 10+ years in Ag lending with a minimum 6-8 years focused on credit and underwriting.
• Well-versed in Ag credit products and analysis techniques.
• Ability to communicate expertise across a diverse set of information consumers.
• Bachelor's degree in a discipline pertinent to the role.
• Master's Degree in business discipline, economics, CFA or CPA a plus.
• Willingness to relocate to central Florida (Tampa to Orlando corridor) a plus.

CORE COMPETENCIES

• Demonstrated high-level Ag credit competency.
• Ability to anticipate market developments.
• Very detail-oriented.
• Ability to pivot quickly amongst evolving priorities.
• Desire to work in a fast-paced, high-energy environment.
• Positive team-first attitude.
• Desire to be part of an organization that challenges the norms of traditional Ag lending.

AGAMERICA MISSION

• To know the farmer.
• To counsel the farmer.
• To provide a financial structure that allows the farmer to thrive in good times and to sleep well during tough times.
• To celebrate the critical role of the farmer in America, and to champion all that the American farmer represents in a changing world.