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Description
Benefits Overview:
A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. When you choose a career with CoBank, you make a difference by standing for something that matters. In order to be the best, we hire the best!
Remarkable Benefits Offered by CoBank
Careers with a purpose. Stand for something!
Time-Off Packages-15 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 $10,000 per year
Outstanding 401k: up to 6% matching and additional 3% non-elective contribution
Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution
Associate Resource Groups: creating a culture of diversity and inclusion
Recognize a fellow associate through our GEM awards
Job Description:
This is an exciting and challenging opportunity to be an integral cash flow underwriting and credit resource within the constantly evolving Digital Infrastructure industry. This role supports a seasoned and diverse sales team responsible for growing CoBank’s highly profitable Digital Infrastructure portfolio through high profile, highly structured cash flow transactions to a diverse set of companies within a dynamic industry that includes fiber transport, datacenters, wireless, broadband, cable, competitive fiber and traditional phone providers. We are looking for a highly engaged, self-motivated team-player that is able to identify key transaction risks, exercise sound credit judgment and help develop unique financing and structuring solutions for a diverse customer base.
Functions as the technical credit expert and advisor within the Digital Infrastructure Banking Group. Understands, articulates, and implements best practices related to the Digital Infrastructure industry. Analyzes the current, historical, and projected financial condition and repayment capacity of the bank's largest and most complex borrowers. Evaluates validity of borrower business plan based on assessment of industry outlook, competition, technology, management, and overall capital structure. Prepares clear, substantive, credit reports and presents those credit reports for loan committee in conformity with bank policies and procedures. Assists and advises account officers on appropriate loan structure and overall account management strategies. Takes a leadership role in account servicing, credit administration, collateral and compliance monitoring and other high-level administrative responsibilities to assist the account officers in managing the overall lending relationship. Approves or co-sponsors credits within prescribed credit limits. Functions as a mentor and expert advisor to other credit professionals and relationship management staff. Adds value to account relationships and supports the achievement of profitability and credit quality goals through interactions with staff and customers. Completes special projects and participates and authors industry research as requested.
Essential Functions:
Provides leadership, monitors progress, reports status, and provides appropriate technical, industry, and functional knowledge to credit and relationship management staff.
Provides deep and unique expertise in assigned industries or market sectors. Keeps abreast of industry trends and competitive environment.
Maintains a close relationship with the credit and relationship management staff including managing communications and credit processes.
Provides first level expert advice/assistance on procedures and work methods for others. Provides mentoring to credit and relationship management staff.
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 borrower.
Identifies strengths and weaknesses of the borrower and evaluates specific risks to the bank. Prepares projection models to test loan-structuring alternatives. Evaluates validity of the borrower’s 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. Provides direction and guidance to credit analysts and officers on credit activities. 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.
Leads negotiations concerning the packaging of credit arrangements. Consults with lending or leasing 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 lending, leasing, and/or credit staff of emerging issues as appropriate.
Conducts internal research and analysis, provides statistical reports, and verifies information. Prepares and delivers presentations on topics as assigned.
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 completed by credit analysts or officers.
Education:
Bachelor's Degree required
Work Experience:
8 years of credit experience in banking industry. required
Physical Exertion Details:
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.
Travel Requirement Details:
Occasional Travel occurs infrequently (typically, once a month or less).
About CoBank:
The typical base pay range for this role is between $115,000-160,000. 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. 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 76,000 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, gender identity, national origin, disability, or status as a protected veteran.
A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. When you choose a career with CoBank, you make a difference by standing for something that matters. In order to be the best, we hire the best!
Remarkable Benefits Offered by CoBank
Careers with a purpose. Stand for something!
Time-Off Packages-15 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 $10,000 per year
Outstanding 401k: up to 6% matching and additional 3% non-elective contribution
Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution
Associate Resource Groups: creating a culture of diversity and inclusion
Recognize a fellow associate through our GEM awards
Job Description:
This is an exciting and challenging opportunity to be an integral cash flow underwriting and credit resource within the constantly evolving Digital Infrastructure industry. This role supports a seasoned and diverse sales team responsible for growing CoBank’s highly profitable Digital Infrastructure portfolio through high profile, highly structured cash flow transactions to a diverse set of companies within a dynamic industry that includes fiber transport, datacenters, wireless, broadband, cable, competitive fiber and traditional phone providers. We are looking for a highly engaged, self-motivated team-player that is able to identify key transaction risks, exercise sound credit judgment and help develop unique financing and structuring solutions for a diverse customer base.
Functions as the technical credit expert and advisor within the Digital Infrastructure Banking Group. Understands, articulates, and implements best practices related to the Digital Infrastructure industry. Analyzes the current, historical, and projected financial condition and repayment capacity of the bank's largest and most complex borrowers. Evaluates validity of borrower business plan based on assessment of industry outlook, competition, technology, management, and overall capital structure. Prepares clear, substantive, credit reports and presents those credit reports for loan committee in conformity with bank policies and procedures. Assists and advises account officers on appropriate loan structure and overall account management strategies. Takes a leadership role in account servicing, credit administration, collateral and compliance monitoring and other high-level administrative responsibilities to assist the account officers in managing the overall lending relationship. Approves or co-sponsors credits within prescribed credit limits. Functions as a mentor and expert advisor to other credit professionals and relationship management staff. Adds value to account relationships and supports the achievement of profitability and credit quality goals through interactions with staff and customers. Completes special projects and participates and authors industry research as requested.
Essential Functions:
Provides leadership, monitors progress, reports status, and provides appropriate technical, industry, and functional knowledge to credit and relationship management staff.
Provides deep and unique expertise in assigned industries or market sectors. Keeps abreast of industry trends and competitive environment.
Maintains a close relationship with the credit and relationship management staff including managing communications and credit processes.
Provides first level expert advice/assistance on procedures and work methods for others. Provides mentoring to credit and relationship management staff.
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 borrower.
Identifies strengths and weaknesses of the borrower and evaluates specific risks to the bank. Prepares projection models to test loan-structuring alternatives. Evaluates validity of the borrower’s 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. Provides direction and guidance to credit analysts and officers on credit activities. 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.
Leads negotiations concerning the packaging of credit arrangements. Consults with lending or leasing 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 lending, leasing, and/or credit staff of emerging issues as appropriate.
Conducts internal research and analysis, provides statistical reports, and verifies information. Prepares and delivers presentations on topics as assigned.
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 completed by credit analysts or officers.
Education:
Bachelor's Degree required
Work Experience:
8 years of credit experience in banking industry. required
Physical Exertion Details:
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.
Travel Requirement Details:
Occasional Travel occurs infrequently (typically, once a month or less).
About CoBank:
The typical base pay range for this role is between $115,000-160,000. 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. 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 76,000 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, gender identity, national origin, disability, or status as a protected veteran.
