Credit Officer, Regional Agribusiness at CoBank

Wichita, Kansas, United States -

Full Time

Start Date

Immediate

Expiry Date

24 Feb, 26

Salary

110160.0

Posted On

26 Nov, 25

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Financial Structuring, Negotiation Strategy, Credit Quality Monitoring, Statistical Reporting, Credit Investigations, Financial Strategy Development, Resource Management, Industry Expertise, Coaching, Presentation Skills, Spreadsheet Development, Emerging Trends Analysis, Compliance Monitoring, Creative Financing Packages, Team Leadership

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 up to $10k per year 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 Develops credit-structuring alternatives for large account transactions. Assists lending or leasing staff with managing the banking relationship with large accounts by providing credit analysis and financial structuring alternatives. Approves credit actions within prescribed credit limits. Provides leadership and guides the work of credit analysts. Adds value to account relationships and supports the achievement of profitability and credit quality goals through interactions with staff and customers. Essential Functions Works with lending or leasing staff as appropriate to structure financial proposals to support complex credit arrangements for large accounts. Conceptualizes and formulates financial strategy to accomplish customer's credit needs. Manages resources from various sources. Designs creative and innovative financing packages. Assists with negotiations concerning the packaging of credit arrangements. Consults with lending or leasing staff and provides coaching on negotiation strategy, financing approaches, or other specific credit issues. Prepares and oversees the preparation of credit analyses and credit investigations to ensure the application of a relevant and thorough approach. Provides direction and guidance to credit analysts on general research issues. Understands and follows bank guidelines, policies, and procedures for the preparation and presentation of credit information. Monitors credit quality of accounts to identify emerging trends and ensure ongoing compliance with covenants. Notifies lending, leasing, and/or credit staff of emerging issues as appropriate. Assists with internal research and analysis, provides statistical reports, and verifies information. Prepares and delivers presentations on topics as assigned. Develops and utilizes computerized spreadsheets, programs, and other automated tools for credit analysis, special projects, or presentations. Approves or recommends credits for approval based on research and analysis completed by credit analysts. Maintains expertise in assigned industries or market sectors. Keeps abreast of industry trends and competitive environment. Education Bachelor's Degree required Work Experience 5 years of credit experience in banking industry. 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 $89,600 - $110,160. 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

The Credit Officer develops credit-structuring alternatives for large account transactions and assists lending staff in managing banking relationships. They provide leadership to credit analysts and ensure the achievement of profitability and credit quality goals through effective interactions with staff and customers.