Talent.com
Sr Credit Officer Risk
Sr Credit Officer RiskCompeer Financial • Rochester, MN, United States
Sr Credit Officer Risk

Sr Credit Officer Risk

Compeer Financial • Rochester, MN, United States
4 days ago
Job type
  • Full-time
Job description

Empowered to live. Inspired to work.

Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin. We bring together team members with a variety of backgrounds and experiences to help provide financial services to support agriculture and rural communities. Join us in a culture that not only promotes meaningful work and professional development, but provides a flexible, hybrid work environment and excellent benefits, which empower you to thrive both personally and professionally.

How we support you :

  • Hybrid model - up to 50% work from home
  • Flexible schedules including ample flexibility in the summer months
  • Up to 9% towards 401k (3% fixed Compeer contribution plus up to 6% match)
  • Benefits : medical, dental, vision, HSA / FSA, life & AD&D insurance, short-term and long-term disability, wellness program & EAP
  • Vacation, sick leave, holidays / floating holidays, parental leave, and volunteer paid time off
  • Learning and development programs
  • Mentorship programs
  • Cross-functional committee opportunities (i.e. Inclusion Council, emerging professional groups, etc.)
  • Professional membership / certification reimbursement and more!

Casual / seasonal & intern team members are not eligible for benefits except for state-mandated programs.

To learn more about Compeer Financial visit www.compeer.com / careers .

This position offers a hybrid work option up to 50% remote and is based out of Mankato, MN; Lakeville, MN; Waite Park, MN; Any MN Office Location.

The contributions you will make :

This position is responsible for the management and servicing of high risk asset portfolio's across an assigned region or territory. Evaluates, underwrites and makes credit decisions for commercial, traditional, investor, and consumer loan requests originated by Compeer team members and decides if the characteristics of the credit package present an acceptable level of credit risk for the organization. Provides relationship based financial solutions for farmers, investors, and rural consumers in area of expertise within delegated authority. May be assigned a specific industry or subject matter on which to focus.

A typical day :

Credit Analysis and Decision Making

  • Analyzes financial and supporting information submitted for formal and informal lending and servicing requests.
  • Identifies, communicates, and assists in the collection of financial information required to process lending and servicing requests.
  • Approves, declines, or escalates credit decision to higher authority levels as required.
  • Determines appropriate level of analysis and due diligence required based on credit risk
  • Determines appropriate account classification and probability of default rating.
  • Effectively communicates the credit decision, terms, conditions, and findings through a formal narrative write-up.
  • Establishes loan conditions and closing requirements for approved actions.
  • Answers questions and provides direction on any credit related issues that arise during the processing, closing, and servicing of lending transactions.
  • Serves as a resource to credit team members regarding policies, procedures, and credit related matters.
  • Credit Counseling

  • Partners with team members to provide credit counsel and financial solution options for clients.
  • Determines how to structure credits to meet internal lending requirements, client expectations, and the organizations growth objectives.
  • Meets with clients to provide quantitative assessments of financial performance in relation to internal lending standards.
  • Monitors assigned credit leasing portfolio and assists Farm Credit Leasing Special Assets and Compeer Risk Asset units as required in servicing delinquent and stressed accounts.
  • Establishes servicing plans and other monitoring requirements for financially stressed accounts
  • Collection Services

  • Conducts and participates in complex negotiations for collecting or correcting non-performing accounts.
  • Approves or denies restructuring applications, standstill agreements and re-amortizations.
  • Counsels and convinces clients to agree on a workable solution.
  • Approves sending account to attorney to file litigation.
  • Inspects security to determine condition and approves partial release of security.
  • Discusses collection strategies with peers, legal counsel, and various research companies to develop the best collection strategy
  • Manages the collections of loans for contract entity by collecting loan payoffs and negotiating settlements.
  • Manages legal activities related to strategy, litigation, proceedings and hearings
  • Subject Matter Expert

  • Acts as Compeer's representative for activities and business transactions in assigned industry or line of business.
  • Keeps knowledge up to date with industry trends and procedures.
  • Attends off site training events to keep current as necessary.
  • The skills and experience we prefer you have :

  • Bachelor's degree in agriculture, finance, accounting, or related field; or an equivalent combination of education and experience sufficient to perform the essential functions of the job.
  • 5+ years of experience in agriculture and business / finance.
  • Oral and written communication skills sufficient to discuss a variety of job-related topics, and effectively communicate complex topics to a variety of audiences.
  • Skill in analyzing information to formulate logical and objective conclusions.
  • Skill in utilizing Word / Excel / PowerPoint / Outlook to increase efficiency and / or effectiveness.
  • Skill in utilizing a systematic approach to problem solving.
  • Solid knowledge of loan analysis and sound credit administration principles.
  • Skill in negotiating acceptable and favorable terms and conditions related to loan collections.
  • Solid knowledge of Borrower Rights related to loan servicing.
  • Working knowledge of real estate marketing related to acquired property management.
  • Extensive Credit Underwriting experience.
  • Basic accounting knowledge.
  • Ability to establish and maintain a network of internal and external agricultural influencers and professionals
  • #IND200

    How we will take care of you :

    Our job titles may span more than one career level (associate, senior, principal, etc.). The actual title and base pay offered is dependent upon many factors, such as : training, transferable skills, work experience, business needs and market demands. The base pay range is subject to change and may be modified in the future. This role is eligible for variable compensation and other benefits.

    Base Pay

    $92,100 — $139,500 USD

    Compeer Financial is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

    Must be authorized to work for any employer in the United States. Compeer is unable to sponsor or take over sponsorship of an employment visa at this time.

    Click here to view federal employment laws applicable for applicants.

    Create a job alert for this search

    Credit Risk Officer • Rochester, MN, United States

    Related jobs
    Sales and Credit Coordinator Wholesale

    Sales and Credit Coordinator Wholesale

    Compeer Financial • Rochester, MN, United States
    Full-time
    Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin.We bring together team members with a variety of backgrounds and experiences to help provide financial s...Show more
    Last updated: 30+ days ago • Promoted
    U.S. Customs and Border Protection Officer

    U.S. Customs and Border Protection Officer

    U.S. Customs and Border Protection • Rochester, Minnesota, US
    Full-time +1
    Customs and Border Protection Officer (CBPO).A high number of candidates may make applications for this position, so make sure to send your CV and application through as soon as possible.Customs an...Show more
    Last updated: 30+ days ago • Promoted
    Client Service Representative

    Client Service Representative

    Old National Bank • Rochester, MN, United States
    Full-time
    Old National Bank has been serving clients and communities since 1834.With $50 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve.As a trusted partner, ...Show more
    Last updated: 7 days ago • Promoted
    Analyst

    Analyst

    Vizient, Inc. • Rochester, MN, United States
    Full-time
    When you're the best, we're the best.We instill an environment where employees feel engaged, satisfied and able to contribute their unique skills and talents. We provide extensive opportunities for ...Show more
    Last updated: 30+ days ago • Promoted
    Teller - Rochester, MN

    Teller - Rochester, MN

    Affinity Plus Federal Credit Union • Rochester, MN, United States
    Full-time
    Great service starts with great employees and that is why we focus on providing not only the best place our members will ever bank but the best place our employees will ever work.Between our one of...Show more
    Last updated: 30+ days ago • Promoted
    Sales Associate Ag Lending

    Sales Associate Ag Lending

    Compeer Financial • Rochester, MN, United States
    Full-time
    Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin.We bring together team members with a variety of backgrounds and experiences to help provide financial s...Show more
    Last updated: 30+ days ago • Promoted
    Relationship Banker

    Relationship Banker

    Old National Bank • Rochester, MN, United States
    Full-time
    Old National Bank has been serving clients and communities since 1834.With over $70 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve.As a trusted part...Show more
    Last updated: 30+ days ago • Promoted
    Technician, Appliance

    Technician, Appliance

    Performance Foodservice • Rochester, MN, United States
    Full-time
    Job Description : We Deliver the Goods : Competitive pay and benefits, including Day 1 Health & Wellness Benefits, Employee Stock Purchase Plan, 401K Employer Matching, Education Assistance, Paid Tim...Show more
    Last updated: 4 days ago • Promoted
    Lending Client Coordinator

    Lending Client Coordinator

    Compeer Financial • Rochester, MN, United States
    Full-time
    Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin.We bring together team members with a variety of backgrounds and experiences to help provide financial s...Show more
    Last updated: 30+ days ago • Promoted
    Director Crop Insurance

    Director Crop Insurance

    Compeer Financial • Rochester, MN, United States
    Full-time
    Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin.We bring together team members with a variety of backgrounds and experiences to help provide financial s...Show more
    Last updated: 30+ days ago • Promoted
    Senior Analyst

    Senior Analyst

    Spencer Stuart • Stockholm, WI, United States
    Full-time +1
    Spencer Stuart is an equal opportunity and affirmative action employer F / M / Disability / Vet / Sexual Orientation / Gender Identity. A Spencer Stuart Senior Analyst plays a critical and visible role on the...Show more
    Last updated: 17 days ago • Promoted
    Travel MRI Tech - $2956.58 / Week

    Travel MRI Tech - $2956.58 / Week

    Host Healthcare • Rochester, MN, US
    Full-time
    Host Healthcare is seeking an experienced MRI Tech for an exciting Travel Allied job in Rochester, MN.Shift : Inquire Start Date : 12 / 18 / 2025 Duration : 13 weeks Pay : $2956. At Host Healthcare, we are ...Show more
    Last updated: 9 days ago • Promoted
    Director of Nursing $15,000 Sign on Bonus!

    Director of Nursing $15,000 Sign on Bonus!

    Rochester Rehab and Living Center • Rochester, MN, US
    Full-time
    Come join our awesome team as an Director of Nursing at Rochester Rehabilitation and Living Center (RRLC).RRLC is part of Volunteers of America National Services which serves as the Housing and Hea...Show more
    Last updated: 1 day ago • Promoted
    Travel MRI Tech - $2855 / Week

    Travel MRI Tech - $2855 / Week

    LRS Healthcare - Allied • Rochester, MN, US
    Full-time
    LRS Healthcare - Allied is seeking an experienced MRI Tech for an exciting Travel Allied job in Rochester, MN.Shift : Inquire Start Date : ASAP Duration : 13 weeks Pay : $2855 / Week.Ready to start you...Show more
    Last updated: 4 days ago • Promoted
    United States Customs and Border Protection Officer

    United States Customs and Border Protection Officer

    U.S. Customs and Border Protection • Elgin, Minnesota, US
    Full-time +1
    Customs and Border Protection Officer (CBPO).A high number of candidates may make applications for this position, so make sure to send your CV and application through as soon as possible.Customs an...Show more
    Last updated: 30+ days ago • Promoted
    Remote Content QA Reviewer

    Remote Content QA Reviewer

    Outlier • Rochester, MN, United States
    Remote
    Full-time
    Earn up to $15 / hour + performance bonuses.Outlier, a platform owned and operated by Scale AI, is looking for.If you're passionate about improving models and excited by the future of AI, this is you...Show more
    Last updated: 3 days ago • Promoted
    Travel CT Tech - $2974.2 / Week

    Travel CT Tech - $2974.2 / Week

    SambaTraveler • Rochester, MN, US
    Full-time
    SambaTraveler is seeking an experienced CT Tech for an exciting Travel Allied job in Rochester, MN.Shift : 5x8 hr nights Start Date : ASAP Duration : 52 weeks Pay : $2974. Working in healthcare, your sc...Show more
    Last updated: 1 day ago • Promoted
    Assistant Universal Banker

    Assistant Universal Banker

    Minnwest Bank • Spring Valley, MN, United States
    Full-time
    Minnwest is a family owned, community bank based in Minnesota and South Dakota.We believe our success is measured by the extent in which we have a positive impact on the communities we serve.We are...Show more
    Last updated: 30+ days ago • Promoted