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Chief Credit and Lending Officer (onsite/hybrid)
Chief Credit and Lending Officer (onsite/hybrid)Minnesota Staffing • Saint Paul, MN, US
Chief Credit and Lending Officer (onsite / hybrid)

Chief Credit and Lending Officer (onsite / hybrid)

Minnesota Staffing • Saint Paul, MN, US
5 days ago
Job type
  • Full-time
Job description

Chief Credit And Lending Officer

As a key member of the Credit team, you will be part of AgriBank's mission to support the people who feed the world. The Chief Credit & Lending Officer ensures that AgriBank provides sound, constructive, and profitable credit and financially related services, provides leadership and direction to the district's lending activities including credit / appraisal policies, standards, and practices, and gives direction to achieve compliance with the Bank's obligations in the Contractual Interbank Performance Agreement (CIPA).

Key responsibilities include :

  • Strategic Leadership :

As a member of the executive leadership team, makes strategic decisions and sets the strategic direction for AgriBank.

  • Initiates, identifies, analyzes, and develops key strategic initiatives.
  • Ensures AgriBank's sustainability as a value-added partner to affiliated associations and its role in the Farm Credit System as a funding bank.
  • Facilitates strategic dialogue between AgriBank senior leadership, Board of Directors, and association senior leadership and boards of directors.
  • Leads, coordinates, and contributes to AgriBank's strategic and business planning process.
  • Provides leadership for the Farm Credit System and AgriBank District through participation in various System-wide boards, committees, and workgroups.
  • Executive Leadership :
  • Effectively selects, leads, develops, and evaluates the performance of other leaders, teams, and departmental functions.

  • Allocates resources effectively across functions and departments.
  • Sets and monitors performance standards to achieve Bank's business strategies, goals, and objectives.
  • Responsible for appropriately protecting the confidentiality, security, and integrity of the Bank's systems and data.
  • Performs additional responsibilities as needed to support the organization's goals and objectives.
  • District Credit Leadership :
  • Makes decisions on commercial and wholesale loans and lending policies as AgriBank's top credit officer and chair of the AgriBank Loan Committee.

  • Leads the development and implementation of credit risk management tools throughout the district to enhance portfolio management and to optimize the allowance for loan loss process and economic capital modeling.
  • Leads the development and maintenance of appraisal standards, including benchmark farms, real estate sales data, commodity prices, and other pertinent data on current and future valuation of collateral.
  • Develops and maintains credit and appraisal policies, standards, and practices which ensure effective credit decision-making, loan servicing and monitoring, and overall portfolio management within AgriBank and the District associations.
  • Informs the AgriBank Board of Directors, and Association executive management of credit direction, issues, and industry trends.
  • Provides management direction to the insurance operation and risk management initiatives; determines content of information pieces to be provided to associations and internally (to AgriBank).
  • Lending And Credit Management :
  • Manages the Bank credit activities related to wholesale loans, retail lending (loan participations), other financial institutions (OFI's), and retail interest rate swaps with Association customers.

  • Makes loan and other credit-related decisions on lending to associations, OFI's, retail lending (loan participations), and retail interest rate swaps with Association customers.
  • Works with lead lenders and large commercial bank officers to negotiate large loan transactions and to communicate industry lending practices outside of the Farm Credit System.
  • Provides direction and supports the Bank's liquidity investment portfolio credit assessments.
  • System Leadership :
  • Provides leadership for the Farm Credit System through chairing and participating in various System-wide committees, workgroups, rating agency communications, and Investor visits in support of the System Funding Corporation.

  • Works with other Farm Credit Bank leaders on various System initiatives including managing System hold limits and communicating with regulator on System wide issues.
  • Informs Farm Credit District bank executives and other Farm Credit System executive management of credit direction, issues, and industry trends.
  • Experience and professional qualifications required for the role include :

  • 15+ years of related experience
  • 7+ years of senior level management and leadership experience
  • Or an equivalent combination of education and experience sufficient to perform the essential functions of the job
  • Skills and competencies required for the role include :

  • Expert skill in credit analysis and loan structuring
  • Expert skill in credit administration
  • Expert customer relationship management and servicing skills, including the ability to communicate complicated information, deliver bad news effectively, and exceed customer expectations
  • Expert skill in thinking strategically and setting organizational and operational direction leading to positive business outcomes
  • Expert knowledge of agricultural industry and industry lending practices
  • Working knowledge of micro- and macro-economic theory both domestic and international and their practical impact on borrowers
  • Oral and written communication skills sufficient to discuss a variety of job-related topics, and to effectively communicate complex topics to a variety of audiences
  • Skill in analyzing complex technical data by using logic and quantitative reasoning
  • Skill in establishing and maintaining relationships with a variety of internal and external organizations and individuals to advance the organization's interests and increase personal efficacy
  • Skill in selecting, managing, coaching, motivating and developing a diverse credit team
  • Skill in analyzing, integrating and documenting the business needs of multiple stakeholders
  • Skill in negotiating highly complex agreements to achieve the best outcome for the organization
  • Skill in setting priorities to reflect the importance of job responsibilities
  • Skill in utilizing time in an efficient and effective manner
  • Education :

  • Bachelor's degree in business, economics, finance, agribusiness or related field.
  • Executive Success Competencies :

  • Strategic Leadership
  • Adaptability and Innovation
  • Building Talent
  • Inclusive and Engaging Leadership
  • Analysis, Decisions and Execution
  • Communication
  • Ethics
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