Senior Internal Credit Reviewer

Why should you join our team?

American AgCredit offers a unique opportunity to be a part of a national financial system supporting those who feed, clothe and fuel the world. We are a growing organization embracing collaboration and innovation while delivering transformative solutions. American AgCredit provides a cultivating environment where you truly make a difference for our customers and teams.

Benefits offered by American AgCredit:

• Commitment to agriculture and the communities we serve
• Family friendly work environment
• Investment in employee development
• Medical, Dental and Vision coverage
• Outstanding 401k - automatic 3% employer contribution, plus match up to 6%
• Generous Paid Time Off (Vacation accrued at 21 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time)
• Competitive Incentive Compensation Plan
• Disability & Life Insurance
• Employee mental, physical, and financial wellness programs
• The position is bonus eligible based on association and personal performance

Position will be posted until filled.

OVERVIEW:

The Senior Internal Credit Reviewer plays a key role in executing the Association's independent, riskbased Internal Credit Review (ICR) program within the second line of responsibility. Reporting to the Director of Internal Credit Review, this role provides objective and independent, wellsupported assessments of asset quality, credit risk management practices, regulatory compliance, and an indirect evaluation of the effectiveness of creditrelated internal controls, including identifying control weaknesses. An effective ICR program is critical to the Association's Board of Directors (Board) and management's ability to monitor the quality of assets, compliance with laws and regulations, and the adequacy of, and compliance with, applicable lending policies, procedures, and internal controls. The Senior Internal Credit Reviewer performs indepth credit reviews across the full lending lifecycle-from prospect to payoff-including underwriting, credit decisioning, portfolio monitoring, servicing, and highrisk asset management. The role supports management and the Board of Directors by identifying creditrelated issues, trends, and emerging risks, and by contributing to the Association's overall examination readiness.

Key Responsibilities

Internal Credit Review Execution

• Support periodic risk assessments that would be used to influence/develop the ICR plan and assist the Director of Internal Credit Review in the development of the ICR plan.

• Execute assigned credit reviews in accordance with the approved Internal Credit Review plan, methodology, and regulatory expectations, ensuring coverage is riskbased and appropriately focused on higherrisk portfolios, credits, and processes.

• Perform independent assessments of individual credits, portfolios, and credit processes, including underwriting quality, adherence to policy, and ongoing monitoring and servicing practices. This is expected to include assessment of support for repayment capacity, covenant monitoring evidence, collateral documentation/valuation support, and policy exception support as part of loan-level reviews, as applicable.

• Evaluate compliance with applicable laws, regulations, internal policies, procedures, and control requirements across the lending lifecycle.

• Assess the accuracy and consistency of credit risk ratings, risk recognition practices, and asset classifications.

• Review highrisk assets to evaluate compliance with accounting and regulatory requirements, including nonaccrual loans, chargeoffs, and Other Property Owned (OPO).

• Identify control weaknesses, process gaps, and emerging credit risks, and assess their potential impact on asset quality and portfolio performance.

Internal Credit Review Analysis, Documentation, Reporting

• Prepare clear, concise, and wellsupported credit review workpapers and documentation that meet internal standards and examination expectations.

• Draft written credit review reports that summarize findings, assess materiality, identify root causes, and recommend practical, actionable corrective actions.

• Present review results and observations to the Director of Internal Credit Review and contribute to discussions with executive management and risk committees, as appropriate.

• Support the development of dashboards, metrics, and trend analysis to monitor credit quality and emerging risks across portfolios.

Allowance and Asset Quality Support

• Support the Director of Internal Credit Review in the quarterly allowance for loan losses process by evaluating and effectively challenging impaired loan identification, the methodology, process, credit quality indicators, and supporting documentation, as well as ensuring any specific reserves are consistent with the results of ICR's evaluation of specific credits.

• Provide independent insight into asset quality trends and risk migration to support sound allowance governance and oversight.

Regulatory and Examination Support & Professional Development

• Assist in preparation for and participation in examinations and asset reviews conducted by the Farm Credit Administration and CoBank.

• Respond to examiner requests by providing accurate, complete, and welldocumented credit review analysis.

• Demonstrate professional judgment, independence, and consistency in all interactions with internal and external stakeholders.

• Stay current on regulatory guidance, credit risk management practices, loan review standards, and industry trends.

• Participate in ongoing training, professional development, and Systemlevel engagement opportunities, as appropriate.

• Contribute to the continuous improvement of Internal Credit Review methodologies, tools, and practices.

• Perform special projects, targeted reviews, and other duties as applicable.

Levels of Supervision Exercised and Received

This position reports to the Director of Internal Credit Review and operates with a high degree of independence while adhering to established methodologies, standards, and supervisory guidance.

Typical Education and Experience

• Bachelor's degree in finance, accounting, business, economics, or a related field required. Credit Risk Certification or similar certification preferred.

• Five or more years of experience in internal credit review or loan review. Experience in credit underwriting, credit administration, credit risk management, or related disciplines or control frameworks is required.

• Exposure to a range of commodity groups relevant to the Association's lending portfolio. Ability to assess credit risk across diverse commodity groups. Familiarity with commodityspecific risk drivers and performance indicators.

• Demonstrated ability to analyze complex credit relationships and assess risk across diverse loan portfolios.

• Working knowledge of lending regulations, credit policies, risk rating systems, and highrisk asset management practices.

• Professional certifications (e.g., CPA, CIA, CFA, FRM) or progress toward certification preferred.

Key Competencies

• Strong ability to analyze portfolio data and trends as well as utilize technology (e.g., AI, Excel and reporting/visualization tools) to assess individual credits, metrics, KRIs, and emerging risk identification.

• Strong analytical skills with exceptional attention to detail and accuracy.

• Ability to apply sound professional judgment and maintain independence in evaluating credit risk.

• Clear and concise written and verbal communication skills, including the ability to document and explain complex credit issues.

• Strong organizational skills with the ability to manage multiple reviews and deadlines effectively.

• High integrity, discretion, and commitment to professional standards.

• Collaborative, selfmotivated, and adaptable in a fastpaced, regulated environment.

• Highly flexible, self-starter who works well in a rapidly changing, fast-paced, and high visibility environment

• Ability to solve problems and execute work quickly, accurately, and thoughtfully.

• Possess a forward-thinking, enterprise mindset to stay ahead of potential, emerging risks.

• Ability to travel domestically up to 10% annually.

Essential Job Requirements:

• Must be able to perform basic office tasks and work in a typical office setting.

• The employee will be sitting for extended periods and accomplishing work at a desk and a computer for an extended period.

• Must have strong written and verbal communication skills to convey ideas and work with a team effectively. The ability to talk and hear, sit and use their hands and fingers, and reach in all directions is essential in the performance of the job. Some lifting and moving of items up to 25 pounds is required.

• Work during established business hours and may require occasional weekend and evening work. Travel required.

PAY RANGE:

All hiring is contingent on eligibility to work in the United States. We are unable to sponsor or transfer visas for applicants.

American AgCredit provides equal opportunity in employment to all employees and applicants. We celebrate diversity and do not discriminate on the basis of race, color, creed, religion, national origin, ancestry, alienage or citizenship status, age, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or related medical condition, military service or veteran status, victims of domestic violence, or any other characteristics protected by applicable federal, state, or local laws. American AgCredit prohibits harassment of any individuals on any of the bases listed above.

If you need assistance or an accommodation due to a disability, you may contact us at jobs@agloan.com.