[Hiring] Senior Internal Credit Reviewer @American AgCredit

Role Description

The Senior Internal Credit Reviewer plays a key role in executing the Association’s independent, risk‑based Internal Credit Review (ICR) program within the second line of responsibility. Reporting to the Director of Internal Credit Review, this role provides objective and independent assessments of:

• Asset quality
• Credit risk management practices
• Regulatory compliance
• Effectiveness of credit‑related internal controls

The Senior Internal Credit Reviewer performs in‑depth credit reviews across the full lending lifecycle—from prospect to payoff—including:

• Underwriting
• Credit decisioning
• Portfolio monitoring
• Servicing
• High‑risk asset management

This role supports management and the Board of Directors by identifying credit‑related issues, trends, and emerging risks, and by contributing to the Association’s overall examination readiness.

Key Responsibilities

• Internal Credit Review Execution
  • Support periodic risk assessments to influence/develop the ICR plan.
  • Execute assigned credit reviews in accordance with the approved Internal Credit Review plan.
  • Perform independent assessments of individual credits, portfolios, and credit processes.
  • Evaluate compliance with applicable laws, regulations, internal policies, and control requirements.
  • Assess the accuracy and consistency of credit risk ratings and asset classifications.
  • Review high‑risk assets for compliance with accounting and regulatory requirements.
  • Identify control weaknesses, process gaps, and emerging credit risks.
• Internal Credit Review Analysis, Documentation, Reporting
  • Prepare clear, concise, and well‑supported credit review workpapers and documentation.
  • Draft written credit review reports summarizing findings and recommending corrective actions.
  • Present review results to the Director of Internal Credit Review.
  • Support the development of dashboards, metrics, and trend analysis.
• Allowance and Asset Quality Support
  • Support the quarterly allowance for loan losses process.
  • Provide independent insight into asset quality trends and risk migration.
• Regulatory and Examination Support & Professional Development
  • Assist in preparation for examinations and asset reviews.
  • Respond to examiner requests with accurate credit review analysis.
  • Stay current on regulatory guidance and industry trends.
  • Participate in ongoing training and professional development.
  • Contribute to the continuous improvement of Internal Credit Review methodologies.

Qualifications

• Bachelor’s degree in finance, accounting, business, economics, or a related field required.
• Credit Risk Certification or similar certification preferred.
• Five or more years of experience in internal credit review or loan review.
• Exposure to a range of commodity groups relevant to the Association’s lending portfolio.
• Demonstrated ability to analyze complex credit relationships.
• Working knowledge of lending regulations and credit policies.
• Professional certifications (e.g., CPA, CIA, CFA, FRM) or progress toward certification preferred.

Requirements

• Strong ability to analyze portfolio data and trends.
• Strong analytical skills with exceptional attention to detail.
• Ability to apply sound professional judgment and maintain independence.
• Clear and concise written and verbal communication skills.
• Strong organizational skills with the ability to manage multiple reviews and deadlines.
• High integrity, discretion, and commitment to professional standards.
• Collaborative, self‑motivated, and adaptable in a fast‑paced environment.
• Ability to solve problems and execute work quickly and accurately.
• Ability to travel domestically up to 10% annually.

Benefits

• Commitment to agriculture and the communities we serve.
• Family friendly work environment.
• Investment in employee development.
• Medical, Dental and Vision coverage.
• Outstanding 401k – automatic 3% employer contribution, plus match up to 6%.
• Generous Paid Time Off (Vacation accrued at 21 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time).
• Competitive Incentive Compensation Plan.
• Disability & Life Insurance.
• Employee mental, physical, and financial wellness programs.
• Bonus eligible based on association and personal performance.

Company Description

American AgCredit offers a unique opportunity to be a part of a national financial system supporting those who feed, clothe and fuel the world. We are a growing organization embracing collaboration and innovation while delivering transformative solutions.