Agwestfarmcredit
Credit Underwriter
Rocklin, CA · Full-time
Sponsorship not specified$69k-$93kDetected 16 hours ago
AccountingCustomer SupportUnderwriting
About the role
- Level II: Typical starting range: $75,700 - $101,600 Full base salary range: $75,700 - $114,600 Annual performance-based incentive target is 12% of base.
- Monitor loan performance and service assigned accounts. - Prepare credit analysis and submit recommendations to supervisor or loan committee for action.
- Approve loans within delegated authority. - Gather financial information through interviews in person and by phone, read audited financial statements, legal opinions, tax records and other financials.
Responsibilities
- Complete customer visits and document observations. This requires visually inspecting the condition and value of loan collateral, evaluating the customer's management practices and expected repayment.
- Establish rapport with and develop confidence of customers and prospective customers.
- Review loan documents prior to closing to ensure appropriate documentation is completed. May participate in loan closings.
Requirements
- Ability to market, sell, and effectively negotiate terms on AgWest products, including loan programs, interest rate programs, and financially related services, both verbally and in writing
- Knowledge of appraisal techniques and principles
- Thorough knowledge of credit classifications and sound loan administration practices
- Ensure a high degree of credit administration by developing and implementing sales/servicing plans and coordinating actions with financial specialists.
Nice to have
- Agricultural background
- Advanced knowledge of AgWest's policies and procedures
- Advanced knowledge of AgWest's products and services and how they are delivered
- Workplace Flexibility
- Basic term life and AD&D insurance (fully paid for by the company)
- 401(k) plan (6% match plus 3% employer contribution)
- Employee Assistance Program
- Jeans are welcome at work every day at AgWest!
Compensation
- Annual performance-based incentive target is 10% of base.
- Annual performance-based incentive target is 12% of base.
Benefits
- Medical, dental, and vision insurance
- The listed compensation and benefits information is accurate as of the posting date.
- AgWest reserves the right to adjust compensation for all positions and modify or discontinue benefits programs at its sole discretion, subject to applicable law.
- Wellness Program
- Job level and starting annual salary will be based on a variety of factors including but not limited to experience, education, certifications/licensure, internal equity, location, business needs and market demands.
Company info
- AgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners and crop insurance customers in a seven-state territory in the Western United States.
- AgWest is part of the 100+ year-old Farm Credit System - the leading provider of credit to American agriculture.
- AgWest champions the growth and advancement of agriculture, the value of rural communities, and the vital contribution our customers make to the economy and society.
- We serve customers in 59 locations throughout the West.
- We are in search of a Credit Underwriter I, II, or III (internally known as a Credit Analyst I, II, or III) to join our Credit Resolution Team in Rocklin, California.
- This full-time position reports to the SVP, Credit and assists in servicing distressed and/or high profile loans and acquired and provides high quality, profitable and constructive credit and related services to customers.
- Compensation Information
- You will be presented with a voluntary self-identification form as part of this application; we wanted you to know why we collect this information and what we do with it.
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