AgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners and crop insurance customers in a seven-state territory in the Western United States. AgWest is part of the 100+ year-old Farm Credit System – the leading provider of credit to American agriculture. AgWest champions the growth and advancement of agriculture, the value of rural communities, and the vital contribution our customers make to the economy and society.

We serve customers in 59 locations throughout the West. We are in search of a Credit Underwriter I, II, or III (internally known as a Credit Analyst I, II, or III) to join our Credit Resolution Team in Spokane, Washington. This full-time position reports to the SVP, Credit and assists in servicing distressed and/or high profile loans and acquired properties and provides high quality, profitable and constructive credit and related services to customers.

Compensation

Information The base salary range for this position in Spokane, Washington is: Level I: Typical starting salary: $60,000 - $80,300 Full base salary: $60,000 - $90,400 Annual performance-based incentive at target is 10% of base. Level II: Typical starting salary: $66,200 - $88,700 Full base salary: $66,200 - $99,900 Annual performance-based incentive at target is 12% of base. Level III: Typical starting salary: $72,600 - $99,900 Full base salary: $72,600 - $125,200 Annual performance-based incentive at target is 15% of base.

*Relocation assistance will be provided to eligible candidates who must relocate to accept this position. Essential Duties Service existing accounts by meeting with and receive information from customers. Complete customer visits and document observations.

This requires visually inspecting the condition and value of loan collateral, evaluating the customer's management practices and expected repayment. Make quality credit decisions to ensure customer service, a high quality loan portfolio and loan administration. Monitor loan performance and service assigned accounts.

Prepare credit analysis and submit recommendations to supervisor or loan committee for action. Approve loans within delegated authority. Gather financial information through interviews in person and by phone, read audited financial statements, legal opinions, tax records and other financials.

Comply with organization documentation expectations, procedures, laws and regulations. Service assigned accounts with the objective of providing efficient customer service and maximizing the return on troubled assets through proactive servicing and timely coordination with other divisions and portfolio groups. Establish rapport with and develop confidence of customers and prospective customers.

Accurately classify and identify appropriate charge-offs/reserves, cash income accounting and allowances on assigned loans. Assist in credit investigations on applicants including Public Record searches, CBI reports, employment and income verification and asset and liability verification. Review loan documents prior to closing to ensure appropriate documentation is completed.

May participate in loan closings. Ensure a high degree of credit administration by developing and implementing sales/servicing plans and coordinating actions with financial specialists. Communicate with other divisions and portfolio groups and ensure timely transfers between divisions and portfolio groups to meet customer service needs and organization objectives.

Support customer relationships to ensure profitability of assigned portfolio. Value real estate, personal property and other collateral following assigned procedures. Visually inspect the property and assign a value based on organization guidelines.

Effectively work with customers and other Farm Credit employees and outside parties. This may include travel to farms or other locations to meet with customers.