Credit Information Specialist II at CoBank

Greenwood Village, Colorado, United States -

Full Time

Start Date

Immediate

Expiry Date

13 Aug, 26

Salary

76100.0

Posted On

15 May, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Financial Statement Analysis, Loan Documentation, Covenant Monitoring, Financial Spreading, Credit Analysis, Compliance Monitoring, Risk Management, Training And Mentoring, Portfolio Management, Financial Reporting

Industry

Banking

Description

Benefits Overview A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. In order to be the best, we hire the best! Benefits Offered by CoBank Careers with a purpose Time-Off Packages, 15 days of vacation, 10 paid sick days and 11 paid holidays Competitive Compensation & Incentive Hybrid work model: flexible arrangements for most positions Benefits Packages, including Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance Robust associate training and development with CoBank University Tuition reimbursement for higher education Outstanding 401k: up to 6% matching and additional 3% non-elective contribution & Student Loan Match Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution Associate Resource Groups: creating a culture of respect and inclusion Recognize a fellow associate through our GEM awards Job Description Assumes portfolio responsibility for customers with complex loan documents, financial and other reporting. Monitors financial statements and borrower reports for compliance with terms and conditions of loan agreements. Consults with Relationship Managers (RM) and Credit Analysts (CA) to accomplish responsibilities. Trains credit rotational program participants. Serves as subject matter expert regarding aspects of Credit Information Services (CIS) work. Essential Functions Assumes assignment of more complex customers with specialized loan documentation. Spreads fiscal year-end audits and related financial information into CoBank’s financial database. Performs this function with interim financial statements, projections, and prospective borrower financial information as requested. Reviews annual audits and other borrower reports for compliance with affirmative, negative and financial loan agreement covenants. Maintains the CoBank system for monitoring borrower compliance including entering new and modified covenants, recording receipt of required reports, calculating financial covenant ratios, and monitoring compliance with terms and conditions of loan agreements. Informs RM and CA when borrower is not in compliance with the loan agreement. Develops and maintains a professional relationship with internal customers including relationship managers, credit analysts and credit managers. Performs periodic reviews of borrower covenant requirements to ensure compliance monitoring system consistency with loan agreement requirements. Serves as subject matter expertise regarding one or more aspects of CIS work. Serves as resource for CIS team in area(s) of expertise. Trains new hires and rotational CAP associates on designated aspects of CIS work, and reviews their work until they achieve proficiency. Leads and/or contributes to group initiatives and problem solving efforts. Education High school diploma or GED required Work Experience 2 years of relevant experience, preferably in banking or financial services. required Physical Exertion Details Sedentary Exerting up to 10 pounds of force occasionally (Occasionally: activity or condition exists up to 1/3 of the time) and/or a negligible amount of force frequently (Frequently: activity or condition exists from 1/3 to 2/3 of the time) to lift, carry, push, pull, or otherwise move objects, including the human body. Sedentary work involves sitting most of the time, but may involve walking or standing for brief periods of time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met. Travel Requirement Details Occasional Travel occurs infrequently (typically, once a month or less). About CoBank The typical base pay range for this role is between $66,500 - $76,100. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. This position is eligible for a discretionary annual incentive program driven by organization and individual performance. The listed salary, other compensation and benefits information is accurate as of the date of this posting. This job will be posted for a minimum of five (5) business days or until the position is filled. CoBank reserves the right to adjust compensation for all positions and to modify or discontinue benefits programs at any time in its sole discretion, subject to applicable law. 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. REASONABLE ACCOMMODATION We are committed to ensuring that our online application process provides an equal employment opportunity to all applicants, including qualified individuals with disabilities. If you are an applicant with a disability, or are assisting an applicant with a disability, and require accessibility assistance or would like to request a reasonable accommodation for any aspect of the application process, including completing an application, interviewing, or otherwise participating in the employee selection process, please submit a request by emailing recruiting@cobank.com. Include your contact information and specific details about your requested accommodation. Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time. CoBank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, or status as a protected veteran.

Responsibilities

Responsible for monitoring complex loan documents and financial reports to ensure borrower compliance with loan agreement covenants. Collaborates with Relationship Managers and Credit Analysts while serving as a subject matter expert and trainer for the Credit Information Services team.