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Farm Credit Mid-America FLCA Collateral Analyst Chattel in Indiana

At Farm Credit Mid-America, we believe people are our strongest asset. We are consistently looking to hire individuals from a wide range of experience and capabilities who have a desire to serve. Currently, we have over 1,300 employees across Indiana, Ohio, Kentucky and Tennessee.

BASIC FUNCTION: The Collateral Analyst Chattel serves the Association’s internal and external customers as a collateral consultant by coordinating and completing chattel and business evaluations across multiple states and commodities for the Association’s largest and most complex collateral needs. The role will:

  • Coordinate with Lending and Underwriting Team regarding documents to be requested from borrowers to verify the accuracy of reported collateral. Verify the accuracy of reported collateral against third party verification sources.

  • Ensure quality, timely and accurate service to customers

  • Collaborate with other appraisers to manage and coordinate large, multi asset type valuation projects

  • Lead in development, support, and publication of commodity price guidelines

  • Review chattel appraisals and valuations

  • Train team members for chattel delegated authority

TRAVEL REQUIREMENTS: 50-75%

MAJOR RESPONSIBILITIES:

  • COLLATERAL & CREDIT EXPERTISE: As an important resource to our customers and lending teams, the Collateral Analyst Chattel will apply appraisal methodology to different asset types (chattel, real estate, business and intangible assets). He/she will build his/her expertise in the areas of agriculture, credit, and the needs of the association to support the needs of our largest and complex collateral valuations.

  • COLLABORATE & CONSULT: Serves as a resource, and collaborates with others in the association. Consults with resources to develop competencies when needs arise. Represent the Collateral Risk department on applicable Association committees, workgroups, or project teams. Coordinate with other Farm Credit System (FCS) institutions and workgroups as applicable.

  • PROCESS OWNER: Provide leadership for the Business Validation and Chattel Valuation process for the Association. This will involve assisting in efficient process design to provide exceptional customer experience for internal and external customers and achieve satisfactory credit administration goals.

  • EVALUATE & REVIEW: Includes, but is not limited to, performing site inspections, owner interviews, and documenting findings in written reports. Conducts appraisal evaluation reviews and provides training as necessary in any area of deficiencies as noted.

  • MARKETPLACE PRESENCE: Assist the Association’s lending process by joining or coordinating with the lending team in customer calls and business development. in meetings with influencers, partners, and/or current or prospective customers.

  • Represents and communicates the mission and values of Farm Credit Mid-America and complies with its conduct policy, security policy and confidentiality expectations.

  • Performs other related duties as assigned.

MINIMUM REQUIREMENTS

Education and Experience

Bachelor's Degree in Agriculture, Business or related field. Professional certification preferred. Work-related agricultural experience is required. Minimum of three (3) years appraisal, credit, lending, lending operations, or busines analysis experience, preferably within the Farm Credit system. Demonstrated satisfactory experience performing farm personal property and real estate collateral evaluations. Strong understanding of the principles and procedures of appraisal, Uniform Standards of Professional Appraisal Practice (USPAP), FCA and FDIC guidance on personal property financing, and other applicable standards.

KNOWLEDGE, SKILLS AND ABILITIES:

Knowledge of: Farm commodity markets and programs, progressive management principles, theories, techniques and applications; and critical economic, agricultural and political issues affecting agricultural lending practices, economics, laws and their implication on values, agricultural/rural enterprise analysis, production techniques of agricultural crops, equipment, and livestock, environmental risks and other limitations of property rights. Knowledge of manufacturing processes, techniques, and methods regarding production of food and food materials, as well as light industrial production of machinery, parts, and equipment items. Personal property sales analysis techniques, including matched pairs, depreciation and income capitalization analysis. Appraisal valuation methods including sales comparisons, cost, and income capitalization approaches.

Skills in: Communicating effectively in person, by phone, in writing; organizing work assignments, scheduling and managing time; organizing and analyzing information; drawing conclusions and making recommendations; using computer applications; identifying factors that cause changes in the personal property and real estate markets, coaching and counseling; tact and diplomacy, especially in critical situations; negotiating, mediating and influencing solutions to problems; verbal communication and public speaking; and written communication.

Ability to: Work independently with minimal supervision, use sound judgment, be a self-starter. Develop analytical processes to solve appraisal problems. Research the market to locate reliable information to support specialized complex appraisals. Identify and modify programs and procedures for training and guiding team members, be innovative and creative in development and implementation of policies and programs; Provide appraisal training. Make a positive personal impact on others; and be logical and objective. Be flexible; work efficiently and accurately; identify priorities; be disciplined; work with interruptions; maintain confidentiality; work self-sufficiently; achieve goals; accept and implement corporate strategies; demonstrate the values of Farm Credit Mid-America; relate positively to others; listen to customers; use Farm Credit Mid-America systems and computers; be logical; work under stress; overcome objections; manage time; and professionally represent Farm Credit Mid-America

MENTAL AND PHYSICAL REQUIREMENTS:

This job requires the incumbent to have the ability to:

  • Engage in telephone and face-to-face conversation to serve customers and give and receive information from customers, staff, vendors, outside consultants, and the public.

  • Use technology including a computer, mobile phone, and tablet. This involves reading the screen and keying/typing information.

  • Speak and make presentations to individuals or groups on technical subjects related to job.

  • Travel via auto or commercial transportation to carry out essential responsibilities of the job.

  • Successfully interact with, and represent, the organization to customers, staff, officers, board members, vendors, and/or the public at all levels.

  • Provide sound technical advice to customers and other staff in the subject field(s) related to this position.

  • Understand and explain various subject matter and consulting concepts, programs, terminology, and methods.

  • Reason, judge, compare, calculate, evaluate, decide, and critique such information as written material, numerical data, responses to customer needs, and/or other related work activities.

Requirements of the job include the ability to do the work, with or without reasonable accommodations. It is the Association's policy to make reasonable accommodations for individuals with disabilities. Leadership retains the right to add, subtract, or change duties of the position at any time.

Here's What We Can Offer You...

Farm Credit Mid-America has an outstanding Total Rewards package, which includes, but is not limited to:

  • Salary commensurate with experience

  • 15 vacation days, 15 sick days, and 11 paid holidays per year

  • 401(k) plan with outstanding match

  • Medical, Dental, Vision, STD, LTD, Life/AD&D benefits, etc.

  • Fitness Incentive Program

  • Tuition assistance for employee and dependents

Farm Credit Mid-America is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability or any other category protected by law.

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