Credit Officer

Where you will work: This position offers a hybrid work option up to 50% remote and is based out of the MN-Lakeville, MN-Rochester, IL-Bloomington, or WI-Sun Prairie office locations.

The contributions you will make:

This positionreviewscomplexloan requeststhat are submitted to theCredit Compeer Home teamand documentsthe appropriate level of analysis required to make a credit decision.Issuestheproperloan conditions tied to various consumer loan products withinCompeer Home. Communicateswith lending officers withinCompeerHometeam to discuss lending alternatives,additionalinformationrequiredto make a lendingdecisionand issuesrelated to the loan request. Communicateswith Credit Officers and Financial Officers assigned toAg Lending relationships toensure theCompeer Home subject loan request is in the best interest of all areas of Compeer Financial and the consumer.Reviews and provides decision on servicing actions.

A typical day:

Home Mortgage Underwriting and Credit Analysis

• Analyzes and provides quality,accuratecredit decisions for complex loan packages across all three Compeer home mortgage products (RuraLiving,Portfolio and Freddie Mac).
• Reviewsanddocumentsloan conditions andtransactions to ensurecompliance and credit guidelines are met.
• Collaborates withAg Lendingto analyze complex farming operations with consumer loan requests.
• Leadslargermore complexloan requests, may berequiredto interact directly with the borrower,partneror other outside parties.
• Reviewsall documents needed for final approval.
• Utilizes Freddie Mac automated underwriting and analysis tools such as runningloansthrough Loan Product Advisor andtheappraisal throughtheUniform Collateral Data Portal if applicable.
• Updatesthe Loan Origination Systemwith all underwriting information.
• Maintains the underwriting spreadsheet.
• Serves asaresource for team members toassistwith fielding questions.

Appraisal Review

• Verifies the subject property is acceptable collateral for the loan program.
• Reviews the accuracy and opinion of the market value on appraisals.
• Reviewscompstodetermineif theyarecomparable and adequate with the necessary marketability comments provided.
• Verifiesthe property meets all necessary program guidelines(property is adequatelyreviewedand sales are comparable).

Product Guidance

• Providesproductsupport(Freddie Mac,RuraLivingor Portfolio)fortheCredit Compeer HomeTeam and all ofCompeerHome.
• Reviews guidelines on a regular basis and providesrecommendationsto leadershipand/orproductexperts.
• Answersloan questionssubmittedto theCredit Compeer HomeTeam fromCompeer Home,banksand Farm Credit partners.

Servicing Actions

• Reviews submissions anddetermineif all required documentation is in the file.
• Determinesif collateral can be released and if any proceeds need to be applied to the loan.
• Determinesif co-signer can be released of liability by reviewing all documentation against loan guidelines.
• Documents servicing request and underwriting criteria used to approve or deny the request.
• Communicatesthe decision which include conditions required to be met, in order for the action to be approved.

The skills and experience we prefer you have:

• Bachelor'sdegree inaccounting,finance, economics, agribusiness or related field OR an equivalent combination of education and experience sufficient to perform the essential functions of the job.
• Advanced-level of experience in consumer mortgage finance including areas such as underwriting, processing, operations,servicing and/or lending.
• Advanced knowledge of consumer lending, underwriting practices,compliance, regulations,and loan programs.
• In-depth understanding of credit processing and servicing.
• Strongaccounting principles and credit administration.
• Advancedunderstanding of loan processing and servicing.
• Knowledge of agricultural businesses and operations, production practices, and understanding of credit standards used by Compeer to analyze operations.
• Ability to make sound credit decisions independently and efficiently.
• Developed negotiating skills and the ability to organically create and propose creative financing solutions that drive portfolio growth while mitigating credit risk.
• Strong listening, written and verbal communication skills, withabilityto communicate at all levels of the organization.
• Skill in developing andmaintaininginterpersonal relationships.
• Strong computer skills, including Microsoft Office applicationsand customer relationship management (CRM) programs.
• Valid driver's license.
• May berequiredto travel and present,trainand interact with team members, bank partners,Farm Credit Associationsor at trade shows/conferences.

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.