AgCountry Farm Credit Services (AgCountry), Farm Credit Services of America (FCSAmerica)and Frontier Farm Credit are financial cooperatives that operate under shared management across eight states. While each association is owned by its local farmers and ranchers, they collaborate by pooling resources, expertise, and talent to provide affordable credit, crop insurance, and financial services.

Our associations are united by a common mission and commitment to serving rural America and supporting each other, which drives the success of the farmers, ranchers, and agribusiness we serve. We take pride in being a great place to work, and this enthusiasm is reflected in the relationships our team members foster with one another and with our customers.

Job Summary

*Incumbent must work within the AgCountry territory or South Dakota and be willing to travel to the AgCountry territory. This position will be responsible for AgCountry market CART loans.*

In this role, youll manage an assigned complex loan portfolio with emphasis on reduction of stressed assets through restructuring, borrower counseling and resolution of distressed accounts. Serve customers by processing loan servicing requests and loan restructuring requests originated in a defined region. Provide timely loan processing incorporating sound decisions on the loan structure, terms and conditions, pricing, and documentation. Provide counseling to Credit Analysts, Financial Officers, and Relationship Officers on loan structure, terms and conditions, pricing, and documentation for loans with significant credit weakness.

Essential Duties & Responsibilities

Manage assigned portfolio in accordance with the Associations and AgriBank policies and procedures resulting in the greatest net return/best business decision. Primary responsibility is reduction of non-earning assets through restructuring, borrower counseling and/or collection and resolution of distressed loans. Analyze customer financial statements; which may include balance sheets, trend analysis, income statements, cash flows, collateral analysis, performance reconciliations, credit bureau reports, and commodity brokerage statements, including multiple entities, unique business characteristics, complicated legal structure, and complex monitoring needs. Activities include assembly, consolidation, calculation, documentation, and communication of the customers financial conditions and the acceptability of the customers credit requests.
Assist Financial Officers, Relationship Officers, and Credit Analysts in the servicing of the high-risk portfolio. This includes establishing and maintaining sound credit and loan administration, loan pricing, and establishing appropriate loan terms and conditions for the purpose of managing the loan risks. Provide analysis and underwriting of loan and lease applications renewal and servicing actions for assigned accounts. Coordinate final conditions of approval by working with staff to structure the loan package in a manner that meets customers needs and Associations risk tolerance.
Supervise credit classification changes, accrual/stop accrual analysis for distressed loans and restructure loan applications. Resolve individually assigned higher risk accounts and restructure loan applications and makes recommendations on loans exceeding authority.
Ensure that the Associations are within compliance of settlement laws and procedures. Contribute to the achievement of satisfactory Association credit administration and credit quality goals in assigned portfolio.
Monitor loan performance on assigned portfolio. Ensures that loan performance and financial covenants are maintained and appropriately monitored. Initiates action to get customer to correct situations where they are out of compliance in an expedient manner. Provide timely, efficient service to all internal and external customers.
Participate in the on-going design of Association processes to provide exceptional service and to improve efficiency and effectiveness.

Travel Time

Percentage of time required to travel -35%

Education Requirements

Bachelors Degree Preferred in Finance or Economics

Years of Experience

4+ years lending/credit analysis experience with the Farm Credit System or a related agricultural credit organization. Agricultural collection experience desired.

About Us:

AgCountry has 45 offices, is based in Fargo, North Dakota and serves portions of North Dakota, Minnesota, and Wisconsin, FCSAmerica is based in Omaha, NE and has 42 local offices serves rural communities and agriculture in Iowa, Nebraska, South Dakota, and Wyoming. Frontier Farm Credit has six offices serving eastern Kansas. Together, we support nearly 82,000 producers and agribusinesses, meeting the needs of todays agricultural industry with our combined 2600+ employees providing lending, risk management, technology, commodity marketing, and customer and employee education.

**Summary:** The Account Resolution Officer role at AgCountry Farm Credit Services involves managing a portfolio of loans with a focus on reducing stressed assets through restructuring, borrower counseling, and resolution of distressed accounts. Providing timely loan processing, counseling staff on loan structures, and ensuring compliance with laws and procedures are key responsibilities. Qualified candidates should have a Bachelor's degree in Finance or Economics and at least 4 years of lending/credit analysis experience. This position requires travel up to 35% of the time. **Popular SEO Keywords:** Farm Credit Services, rural America, financial services, loan portfolio management, distressed accounts resolution, credit analysis, loan restructuring, compliance, agriculture, financial cooperatives **Hashtags:** #FarmCreditServices #LoanManagement #RuralFinance #CreditAnalysis #Agribusiness #FinancialServices #AccountResolution