Senior Portfolio Analyst - Leasing

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 Time-Off Packages, boasting over 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 $10,000 per year Outstanding 401k: up to 6% matching and additional 3% non-elective contribution 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 through our GEM awards Job Description Prepares, analyses and conducts credit investigations of routine and more complex credits in accordance with prescribed methods and procedures.

Prepares and presents credit reports to appropriate senior staff or committees. Assists with account servicing, credit administration, and documentation. Provides support to management and appropriate staff with research and statistical analysis.

Performs collection and portfolio management activities in accordance with Farm Credit Leasing (FCL) and Farm Credit Administration (FCA) policies, regulations, and standards. Manages and coordinates resolution of a complex portfolio of criticized accounts through a combination of lease restructures, workouts, early term buy-outs, assumptions, and forbearance agreements. Essential Functions 1.

Collects, maintains, and manages receivables on assigned accounts. Responds to questions from customers and associates pertaining to invoices, contractual terms, restructures, extensions and payments. 2. Develops credit information and structures financial proposals for use by appropriate senior staff and committees in making decisions about credit arrangements.

Prepares and recommends financial decisions on extensions, formal restructures and contract adjustments. 3. Reviews all pertinent credit and financial information and determines the need for more thorough investigation or additional information. Analyzes information statements and related material and prepares summaries, presents facts, and offers opinions concerning credit-worthiness.

Understands and follows bank guidelines, policies, and procedures for the preparation and presentation of credit information. 4. Maintains control over assigned accounts, monitoring for payment progress, developing problems, trends, and compliance with covenants. Provides relevant and timely information to internal stakeholders including account officers, relationship managers, credit staff, and portfolio management staff. 5.

Manages all deficient collection activities associated with assigned non-performing accounts within established standards and delegations, including restructures, repossessions, litigation and bankruptcy. 6. Assists with credit administration, account servicing, development, packaging, closing, documentation, and monitoring. 7. Assists management in the preparation of internal research and analysis, provides statistical reports, and verifies information.

Prepares and delivers presentations on topics as assigned. 8. Develops and utilizes computerized spreadsheets, programs, and other automated tools for credit analysis, special projects, or presentations. 9. Maintains expertise in assigned industries or market sectors.

Keeps abreast of industry trends and competitive environment. Education High school diploma (Bachelors Degree in business, finance, or relevant discipline preferred) Work Experience 4 years credit experience in banking industry required 2 years commercial collection and account workout experience 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 $72,850.99 - $91,919.73. 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 positiion 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.