Company Profile: Alabama Ag Credit is a financial institution that provides financing for agriculture, agribusiness and rural real estate purchases and improvements.  The institution is headquartered in Montgomery with ten offices that service the lower 40 counties of Alabama.  With over $1.5 billion in assets, the institution is a cooperative and part of the nationwide Farm Credit System.  Education and Experience Requirements: Bachelor’s Degree in Finance, Business Administration or a related field, or equivalent experience and four (4) or more years of progressively responsible banking or related corporate credit experience. Provides support to the Capital Markets and Agribusiness division through underwriting, negotiating, structuring, and monitoring of portfolios. This position will cover middle to upper level market companies in a wide range of industry. Must have extensive experience in the analysis of complex credits.   Essential Functions: Assesses the credit and financial strength of the Association’s Capital Markets portfolio by performing fundamental credit analysis on individual portfolio companies. Maintains and builds financial models to incorporate the forward-looking risk assessment on key value drivers. Recommends loan investment opportunities, extensions, and amendments for approval. Analyzes financial information in ascertain credit worthiness. Determines internal Probability of Default (PD) and Loss Given Default (LGD) ratings as appropriate. Monitors and ensures loans are properly risk rated and performance status assignments are proper. Performs loan servicing tasks to include partial releases, subordinations, re-amortizations, assumptions, severance agreements, and amendments. Works directly with lending staff in the development of appropriate credit decisions and prepares other reports as requested by management.  Interprets, communicates, and provides guidance to loan officers regarding association lending policies and procedures.  Complies with proper credit administration practices as outlined in the association’s policies and procedures.  Travel 25-50% of the time is required in this position. At the discretion of Alabama Ag Credit, position may be offered at alternate titles and other business experience may be considered relevant.   If you meet the minimum requirements and want to be considered for this position, please apply through the Association website:   www.alabamaagcredit.com/careers   Job Posting Name: Portfolio Specialist I/II [email protected] Closing date:  Until Filled AA/EOE/M/F/D/V