Senior Portfolio Officer, Financial Sponsors

A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do order to be the best we hire the best!

Benefits Offered by CoBank

• Careers with a purpose
• Time-Off Packages 20 days of vacation 10 paid sick days and 11 paid holidays
• Competitive Compensation & Incentive
• Hybrid work model: flexible arrangements for most positions
• Benefits Packages including Medical Dental and Vision coverage Disability AD&D and Life Insurance
• Robust associate training and development with CoBank University
• Tuition reimbursement for higher education up to $10k per year
• Outstanding 401k: up to 6% matching and additional 3% non-elective contribution & Student Loan Match
• Community Impact: United Way Angel Day Volunteer Day and Associate Directed Contribution
• Associate Resource Groups: creating a culture of respect and inclusion
• Recognize a fellow associate through our GEM awards

Manages analyzes and underwrites credit for the portfolio businesses owned by Financial Sponsors and other non-traditional investors whose investments are concentrated within the food beverage and agribusiness sectors. Contributes to the design structure and pitches for lead arranger or agency opportunities and recommends credit decisions as appropriate. Supports the development of the CoBank Farm Credit System (FCS) philosophy and facilitates (in collaboration with CoBank Capital Markets and CoBank Legal Loan Processing) both primary loan origination and secondary loan trading activities with other banks and investors.

• Reviews audits interim statements projections and other pertinent financial information to provide analysis of financial trends. Acquires information from published industry reports trade groups journals and other external sources to supplement and enhance the analysis of information provided by the Financial Sponsor or investor.
• Identifies strengths and weaknesses of the borrower entity(ies) and evaluates specific risks to the bank. Prepares projection models to test loan-structuring alternatives. Evaluates validity of the borrowers business plan based on an assessment of the industry outlook competition technology management and capital structure. Provides estimates of company and/or collateral value.
• Prepares and oversees the preparation of credit analyses and credit investigations to ensure the application of a relevant and thorough approach. Offers opinions concerning credit-worthiness. Oversees the credit approval process. Understands and follows bank guidelines policies and procedures for the preparation and presentation of credit information.
• Assists with negotiations concerning the packaging of credit arrangements including loan structuring loan pricing and syndication strategy within and outside of the Farm Credit System. Consults with lending staff and provides coaching on negotiation strategy financing approaches or other specific credit issues. Takes a lead role in managing credit administration account servicing development loan structuring packaging loan closing documentation and monitoring.
• Monitors credit quality of accounts to identify emerging trends and ensure ongoing compliance with covenants. Notifies broader relationship team lending and/or credit staff of emerging issues as appropriate. Proactively and dynamically manages CoBanks hold positions within individual portfolio businesses to calibrate and optimize risk-return for CoBank.
• Takes a leadership role in managing the credit origination process from application through final approval closing booking and servicing.
• Assists with internal research and analysis provides statistical reports and verifies information. Prepares and delivers presentations on topics as assigned. Generates business insight through data analytics to aid business decisions including portfolio risk management.
• Identifies areas for improvement in templates spreadsheets programs systems and procedures used in credit origination process. Proposes possible solutions to problems.
• Develops and utilizes computerized spreadsheets programs and other automated tools for credit analysis special projects or presentations.
• Approves or recommends credits for approval based on research and analysis.
• Maintains expertise in leveraged lending. Keeps abreast of industry trends and competitive environment.
• Provides coaching and consultation on complex credit analysis financing techniques and other matters related to the delivery of credit.
• Maintains in depth innovative credit skills.

• Bachelors Degree required

• 5 years of credit experience in leveraged lending including direct experience structuring and underwriting large complex senior secured leveraged loans. required
• Prior Experience in commercial or corporate credit setting or a Masters degree or MBA in either accounting or finance or a CFA Level II or higher. required
• Prior Experience Financial Analysis Portfolio Management Investment Strategy preferred

Sedentary Exerting up to 10 pounds of force occasionally (Occasionally: activity or condition exists up to 1/3 of the time) and/or a negligible amount of force frequently (Frequently: activity or condition exists from 1/3 to 2/3 of the time) to lift carry push pull or otherwise move objects including the human body. Sedentary work involves sitting most of the time but may involve walking or standing for brief periods of time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Occasional Travel occurs infrequently (typically once a month or less).

The typical base pay range for this role is between $119200 - $146640. Compensation may vary based on individual job-related knowledge skills expertise and experience. This position is eligible for a discretionary annual incentive program driven by organization and individual performance. The listed salary other compensation and benefits information is accurate as of the date of this posting. This job will be posted for a minimum of five (5) business days or until the position is filled. CoBank reserves the right to adjust compensation for all positions and to modify or discontinue benefits programs at any time in its sole discretion subject to applicable law.

CoBank is a cooperative bank serving vital industries across rural America. The bank provides loans leases export financing and other financial services to agribusinesses and rural power water and communications providers in all 50 states. The bank also provides wholesale loans and other financial services to affiliated Farm Credit associations serving more than 76000 farmers ranchers and other rural borrowers in 23 states around the country. CoBank is a member of the Farm Credit System a nationwide network of banks and retail lending associations chartered to support the borrowing needs of U.S. agriculture rural infrastructure and rural communities. Headquartered outside Denver Colorado CoBank serves customers from regional banking centers across the U.S. and also maintains an international representative office in Singapore.

REASONABLE ACCOMMODATION

We are committed to ensuring that our online application process provides an equal employment opportunity to all applicants including qualified individuals with disabilities. If you are an applicant with a disability or are assisting an applicant with a disability and require accessibility assistance or would like to request a reasonable accommodation for any aspect of the application process including completing an application interviewing or otherwise participating in the employee selection process please submit a request by emailing Include your contact information and specific details about your requested accommodation.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time.

CoBank is an Equal Opportunity Employer.

All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation national origin disability or status as a protected veteran.