Vice President, Agribusiness Underwriting

Job Functions* Percentage Job Functions 50% Loan Request Analysis Assesses creditworthiness of agribusiness borrowers by: Develops and evaluates long and/or short-term financial projections based on customer financial data Analyzes capital, capacity, collateral, character, conditions and management ability of the borrower Compares the borrowers’ overall financial position to industry and core lending standards and enterprise guidelines Identifies potential risks of the proposed loan and contingencies and develops loan structure that mitigates risk. Writes credit narratives interpreting and supporting results of credit and management assessment Determines loan classification, probability of default, and loss given default ratings Approves, modifies and/or denies credit applications and servicing actions within delegated credit authority and as Loan Committee member. Recommends approval or denial of loans above delegated credit authority Determines or recommends the structure and loan conditions to support approvals/recommendations of approval Engages internal and 3rd party legal counsel to develop, obtain, and review the appropriate loan documentation as needed Prepare, review, approve servicing actions 20% Account Monitoring and Covenant Compliance Reporting Determines borrower compliance with financial and loan covenants Recommends covenant enforcement, waiver, or non­monetary loan default Writes narrative reports to Senior and Executive Management on the effectiveness of account monitoring identifying deficiencies affecting credit administration and lending risk. Initiates actions to address non-compliance Conducts perpetual evaluations and assessment of risk 10% Credit Loan Committee Serves on the Credit Loan Committee Conditionally approves loan requests and forwards to remaining Committee members Communicates with senior Credit staff, Credit Loan Committee and Executive Loan Committee for loan approval 10% Agricultural Enterprise Expertise Researches, evaluates trends, and quantifies risk profiles for enterprises including; swine, poultry, crops, cattle, dairy, and service related companies Shares industry knowledge with Association credit and market facing staff Reviews front-end guidance and lending procedures to improve processes and outcomes Represents Association at lending meetings and industry symposiums 10% Relationship Management Participates in customer meetings to negotiate, communicate, and educate customers on lending requirements and reporting expectations Provides trend data on customer balance sheet, earnings, and repayment capacity quantifying the impact of business operations Observe and review inspections when requested by relationship managers Engage customers on site to observe and obtain knowledge of their operations n/a Other duties as assigned to meet the needs of the organization. * Essential Functions for this position consist of all items listed under any category that make up 5% or more of the job duties. This job description is subject to change without notice.