Ag Commercial Portfolio Manager

This position provides loan administration, portfolio management, and credit underwriting support for the regional commercial and agricultural banking teams. The role assists commercial and ag lenders with underwriting, documentation, monitoring, and ongoing administration of a commercial and/or agricultural loan portfolio. The position supports designated markets within a region and requires frequent travel between markets.

Responsibilities

• Credit Underwriting & Financial Analysis
  • Analyze and spread farm and commercial financial statements for existing and prospective ag and commercial clients.
  • Analyze interim financial statements and other supporting documentation for existing borrowers.
  • Assist with the preparation and review of loan committee and “litmus” presentations, annual credit reviews, and problem loan summaries.
  • Work closely with Commercial and Ag lenders to help structure credit facilities, including repayment terms, pricing, collateral, and credit support.
  • Become proficient in the use of FINPACK and other credit analysis tools.
• Portfolio Management & Risk Monitoring
  • Develop, maintain, and analyze portfolio and client trend reports to support risk management and decision-making.
  • Monitor credit facilities after booking, including ongoing financial review and covenant compliance.
  • Assist in the administration and monitoring of non-performing loans.
  • Maintain reporting infrastructure designed to manage credit and portfolio risk within the division.
  • Serve as backup support for daily overdraft monitoring and related collection efforts.
• Loan Administration & Documentation
  • Support the production, processing, and administration of commercial and agricultural loans, deposits, and related lines of business.
  • Assist with required due diligence activities prior to loan closing.
  • Support loan documentation processes and ensure adherence to Bell Bank lending guidelines.
  • Provide loan administration support to designated region(s) and market(s), including frequent travel between markets as needed.

Bell Bank Culture, Policy and Accountability Standards

• Know and live Bell Bank’s values, bottom line, customer service standards, Golden Rules, and LOCBUTN by building personal connections with customers and employees and using their names as often as possible.
• Conduct activities consistent with established Bell Bank policies, procedures and systems, the Code of Conduct, the Bank Secrecy Act and all applicable state and federal laws and regulations.
• All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
• Prompt and reliable attendance.
• Perform other duties as assigned.

Education, Experience, and Other Expectations

• Bachelor’s Degree in accounting, finance, business, or a related field; or equivalent experience.
• 2-4 years of experience in credit analysis, lending, commercial banking, or a related financial services role.
• Experience working within agriculture and/or farming industry preferred.
• Requires up to 20% travel within an assigned region.

Knowledge, Skills, and Abilities

• Working knowledge of commercial and/or agricultural loan documentation
• Strong financial analysis, analytical thinking, and attention to detail.
• Above-average written and verbal communication skills.
• Proficiency with computer technology and financial analysis software.
• Ability to manage multiple priorities, deadlines, and competing projects.
• Strong time management and organizational skills.
• Customer-focused mindset with the ability to collaborate effectively with lenders, peers, and customers.