Asset and Credit Operations Examiner II

Overview

A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. When you choose a career with CoBank, you make a difference by standing for something that matters. In order to be the best, we hire the best!

Remarkable Benefits offered by CoBank

• Careers with a purpose-stand for something!
• Competitive Compensation & Incentive
• Hybrid work model – flexible work arrangements for most positions.
• Benefits Packages, including: Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance
• CoBank University robust curriculum –associate training and development, including higher education tuition reimbursement
• Outstanding 401k – up to 6% matching and an additional 3% non-elective contribution
• Time-Off Packages – Vacation 15+ days, 10 Paid Sick Days, and 11 Paid Holidays
• Community Impact – United Way Angel Day, Volunteer Day and Associate Directed Contribution
• Associate Resource Groups – creating a culture of diversity and inclusion
• Recognize a fellow associate with “GEM” awards, including a monetary value

Job Description

At CoBank, our Asset and Credit Operations Examiner II conducts credit quality, credit administration and credit operational reviews in specifically assigned portfolios. Under supervision, serves as the Examiner-in-Charge for a limited number of portfolios with responsibility for developing loan review activity plans, coordinating and overseeing review activity, and preparing professional reports for distribution to senior management. Assists in the identification of specific and general areas of concern, as well as begins to recommend process and credit administration enhancements based on the results of review activity. Analyzes financial statements, credit narratives, spreadsheets, and supporting loan and legal documentation in order to fully analyze, report, and make recommendations during the course of a review. Assists both internal and external audit and review functions with credit-related programs and activities.

Essential Duties and Responsibilities:

• Identifies and participates in internal and external professional development activities to support ongoing credit and operation review activity and development of Examiner-in-Charge capabilities.
• Participates in the initial risk assessment activity for loan portfolios within the Bank and at District Associations including, but not limited to, summarizing key risk factors from the review of regulatory and portfolio reporting.
• Participates in the scheduling and coordination of review activity to ensure that the reviews meet the timeliness objectives of Asset Review guidelines, while managing the relationship to ensure minimum disruption to business operations.
• Assists in performing ongoing credit and operations reviews of loan portfolios within the Bank and within District Associations.
• Assures development of a coordinated and complete set of work-papers, documenting the results of the analysis of reviewed portfolios according to Asset Review guidelines.
• Under supervision, serves as the Examiner-in-Charge for assigned portfolios including, but not limited to, the development of review activity plans, coordination of credit and operations reviews, and reporting material findings.
• Assists in preparing trip reports on activities reviewed for submission to management.
• Participates in Asset Review planning and budgeting activities.

Basic Qualifications

• Bachelor’s degree in business administration, economics, finance, accounting, auditing or relevant discipline.
• Seven or more years of experience in credit and lending, preferably in agribusiness; or two or more years in credit administration examination activities; or appropriate combination of education and experience.

Preferred Qualifications

• Intermediate knowledge of asset-based lending, collateral audits, and credit administrative reviews.
• Working knowledge of Microsoft Office applications (Outlook, Word and Excel), including experience using Excel Pivot Tables
• Ability to prioritize and schedule work and projects with minimal supervision.
• Strong analytical, organizational, problem solving and time management skills.
• Excellent verbal and written communication and interpersonal skills.
• Ability to work flexible hours, including nights and weekends, depending on project or travel requirements
• Ability to travel

Compensation Information
Estimated Base Salary Range: $100,000-$130,000

Target short-term incentive opportunity: 18%

About CoBank

CoBank is a cooperative bank serving vital industries across rural America. The bank provides loans, leases, export financing and other financial services to agribusinesses and rural power, water and communications providers in all 50 states. The bank also provides wholesale loans and other financial services to affiliated Farm Credit associations serving more than 76,000 farmers, ranchers and other rural borrowers in 23 states around the country. CoBank is a member of the Farm Credit System, a nationwide network of banks and retail lending associations chartered to support the borrowing needs of U.S. agriculture, rural infrastructure and rural communities. Headquartered outside Denver, Colorado, CoBank serves customers from regional banking centers across the U.S. and also maintains an international representative office in Singapore.

CoBank will not consider a work visa H1B, EAD (Employment Authorization Document or Permit) or OPT (Optional Practical Training) for this position.
CoBank is an Equal Opportunity Employer.

CoBank requires all newly hired associates to be fully vaccinated against COVID-19, and new hires will be asked to register their proof of vaccination. Any offer of employment will be conditioned upon an applicant supplying proof of vaccination against COVID-19; provided, however that CoBank may provide a reasonable accommodation for an applicant’s known disability or sincerely held religious belief.

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