Credit Underwriter

AgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to various agricultural sectors. They are seeking a Credit Underwriter to assist in providing sound credit services, supporting a portfolio of credit relationships, and ensuring compliance with documentation and regulations.ResponsibilitiesGather financial and business-related information from customers, prospects and other available resources through personal interviews, phone interviews, and other information resourcesAnalyze basic financial statements, including opinions and notes, tax records, in house prepared financial statements and pro forma statementsPrepare credit analysis and make recommendations to appropriate management for reviewComply with documentation expectations, procedures, laws and regulationsSupport customer relationships through marketing and servicing financially related products by communicating with customers, their professional representatives and employees at the branch office or customer locationsEffectively participate in the Large Loan process as needed to provide high quality products to be delivered within the agreed time frames and within the risk parameters acceptable to the organizationComplete in-person farm visits, collateral inspections and document observations including but not limited to visually inspecting the condition and valuation of loan collateralConduct research of agricultural and related industries and commodities to determine viability, trends and opportunities for the organization to strengthen its positionEstablish rapport with and develop/maintain confidence of customers and prospective customersRepresent the organization at public relations events by joining or actively supporting appropriate agricultural organizations, civic groups or commodity groups and actively participating in sponsored events and programsAccurately classify and identify appropriate charge-offs reserves, cash income accounting and allowances on assigned loansAssist in credit investigations on applicants including public record searches, credit bureau reports, employment and income verification and asset and liability verificationParticipate in loan closings by ensuring the appropriate documentation is completed and understood by the customerEnsure effective and accurate credit administration through coordination with relationship managers and othersParticipate in assigned industry teams or industry task forces as needed; assist teams with detailed industry studies and the organization of industry specific customer educational eventsEffectively work with customers and collaborate with other teams to make referrals and cross-sell products, to meet customer needsPerform all duties and maintain all standards in accordance with company policies, procedures, and internal controlsOther duties as assignedSkillsBachelor's degree in business or ag-related field, or an equivalent combination of education and experienceKnowledge of loan programs and financially related servicesKnowledge of agricultural practicesBenefitsAnnual performance-based incentive target is 10% of base.Annual performance-based incentive target is 12% of base.Annual performance-based incentive target is 15% of base.Relocation assistance will be provided to eligible candidates who must relocate to accept this position.After an initial in-office training period, this position is eligible for workplace flexibility and a one-time home office stipend.Medical, dental, and vision insuranceBasic term life and AD&D insurance (fully paid for by the company)Paid days off annually: 15 vacation*, 15 sick, 12 holidays and 3 volunteer401(k) plan (6% match plus 3% employer contribution)Employee Assistance ProgramWellness ProgramJeans are welcome at work every day at AgWest!*Vacation accrual rates increase with tenure.Company OverviewAgWest Farm Credit provides agricultural lender and crop insurance services to farmers, ranchers, and timber harvesters. It was founded in 1916, and is headquartered in Spokane, Washington, USA, with a workforce of 1001-5000 employees. Its website is https://agwestfc.com. Apply To this Job .