Analyst, Credit Expert
CHS Inc. is a leading global agribusiness owned by farmers, ranchers and cooperatives across the United States that provides grain, food and energy resources to businesses and consumers around the world. We serve agriculture customers and consumers across the United States and around the world. Most of our 10,000 employees are in the United States, but today we have employees in 19 countries. At CHS, we are creating connections to empower agriculture.
Summary
CHS has an exciting opportunity in our Enterprise Credit group. We are looking for a Special Assets Officer to assist with the ongoing relationship management, monitoring, and resolution of delinquent and non-performing loans and account receivables for both CHS and CHS Capital (a wholly owned finance company). You must be organized, detail oriented and excellent communication skills, both verbal and written, with the ability to work cooperatively and effectively with clients to reach meaningful solutions that are in compliance of all applicable state and federal laws, rules and regulations along with CHS policies and procedures.
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Responsibilities
• Interact with customers, loan officers, legal counsel and business partners regarding workouts and/or liquidation of assets. Represent CHS and CHS Capital in court proceedings
• Develop, negotiate, and implement recovery or liquidation plans and strategies.
• Assist more junior members of the team on more complex activities.
• Review customer submitted information for completeness and accuracy.
• Analyze, summarize, and present borrower financial information in a concise credit package.
• Evaluate collateral coverage including lien position.
• Ensure compliance with credit policy and established guidelines.
• Approve credit exposures within delegated authorities.
• Communicate with loan officers, business partners, and loan documentation team on application, underwriting, and approval questions and status.
• Provide analytical support for loan amendments and modifications.
• Report on credit risks and market conditions impacting the portfolio of accounts.
• Help drive continued improvements to streamline processes.
• Maintain and promote a strong safety culture and follow all safety policies, procedures and regulations. Identify and communicate workplace hazards and correct or seek assistance in correcting unsafe actions or conditions.
• Perform other responsibilities as needed or assigned.
Minimum Qualifications (required)
- High School diploma or GED
- 7+ years of experience in Finance, Accounting and/or Credit
Additional Qualifications
• Agricultural lending, finance or credit experience including loan workouts, asset liquidation, and mediation
• Proficient in MS Office suite
• Excellent critical thinking, financial analysis and decision making skills
• Excellent negotiation and communication skills, both verbal and written
• Demonstrated ability to collaborate with business partners, and build and maintain positive customer relationships
• Ability to effectively manage multiple priorities to ensure excellent customer service
• Bachelor's degree preferred in Finance, Accounting, Statistics, Economics, Business, Business Administration, or related field
• Pre-employment screening is based on the job requirements and industry guidelines and may or may not be required for the position. If required, selected candidates must pass pre-employment screenings to include all or a combination of drug, criminal, motor vehicle check, physical requirements and FMSCA Clearinghouse.
CHS offers a competitive total rewards package. Compensation includes base wage and, depending upon position, may include other earnings such as bonus, incentives and commissions. Actual pay offered will vary based on multiple factors which may include, without limitation, experience, education, training, specialized skills and certifications.
Benefits include medical, dental, vision, wellness programs, life insurance, health and dependent care spending accounts, paid time off, 401(k), pension, profit sharing, short- and long-term disability, tuition reimbursement and adoption assistance, subject to the eligibility requirements for each benefit plan.
CHS is an Equal Opportunity Employer/Veterans/Disability.
Career Band: Professional Career Level: Expert
