• Job Description

  Req#: 4385

  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 doing work that matters. In order to be the best, we hire the best!

  Remarkable Benefits offered by CoBank

  • Competitive Compensation & Incentive
  • Hybrid work model - flexible work arrangements for most positions
  • Benefits Packages, including: Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance
  • CoBank University robust curriculum –associate training and development, including higher education tuition reimbursement
  • Outstanding 401k – up to 6% matching and an additional 3% non-elective contribution
  • Time-Off Packages – Vacation 15+ days, 10 Paid Sick Days, and 11 Paid Holidays
  • 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 with “GEM” awards, including a monetary value
  • On-site Fitness Center and Cafe
  • ECO transportation pass provided to every Denver associate

  Job Description

  At CoBank, our Supervisor, Credit oversees the overall credit quality and the development of credit structuring alternatives for a designated region or market segment. Reviews approval or approves credit decisions as appropriate. Assists with the development and implementation of credit structuring alternatives to support marketing and account servicing plans. Develops and supports credit analysts and officers in their credit structuring and analysis responsibilities.

  Essential Duties and Responsibilities

  • Assists with overall credit administration and targets for workgroup in conjunction with bank/group performance targets. Under direction of credit management staff, counsels with less experienced credit professionals to establish individual targets and the ongoing achievement against such targets.
  • Supervises credit quality targets for assigned portfolio. Under direction of credit management staff, counsels with staff on the development and achievement of credit quality goals, including appropriate intervention measures to maintain the quality of the account.
  • Reviews approval, or approves the extension of credit to certain accounts requiring a higher level of delegated authority.
  • Supervises less experienced credit professionals and assists them in their development of credit alternatives and analyses for customers. Provides leadership and guidance in a team approach to account management and credit administration.
  • Assists with development of long and short-range credit quality targets for the unit. Coaches less experienced credit professionals on achievement of plans.
  • Under direction of credit management staff, ensures effective and efficient credit approval process. Fosters a credit culture to encourage early interaction between credit and the line to identify core issues and resolution strategies.
  • Assists in planning activities for the division and the group. Contributes to the development of new or improved processes, products and services.
  • Supervises workflow and establishes priorities to meet internal and external deadlines.
  • Supervises staff. Sets performance standards, manages workflow, grants authorities, evaluates performance, and recommends personnel actions within delegated authorities. Consults with Human Resources as appropriate.
  • Serves as back up for credit officer and may perform credit officer duties for assigned portfolios.
  • Conducts ad-hoc analyses as requested.
  • Participates in special projects, and performs other duties as assigned.

  Basic Qualifications

  • Bachelor’s degree in business, finance or relevant discipline
  • Six (6) or more years of credit experience in banking industry; or an appropriate combination of education and experience.

  Preferred Qualifications

  • One (1) or more years of supervisory/managerial experience preferred.
  • Master’s degree or MBA preferred.
  • Demonstrated leadership and coaching skills, with the ability to develop and manage processes to motivate staff to achieve desired results.
  • Advanced knowledge of complex lending, financial structuring, credit arrangements, and bank products in a banking environment.
  • Advanced knowledge of credit and financial analysis, including cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis.
  • Advanced knowledge of Generally Accepted Accounting Principles (GAAP), taxation, legal forms of organizations, and business law.
  • Advanced knowledge of financial modeling techniques and preparation of pro forma financial statements.
  • Advanced knowledge of credit underwriting policies, procedures, processes, collateral valuation, and documentation.
  • Advanced ability to perform discounted cash flow analysis, capital budgeting (internal rate of return, net present value, etc.), and equity valuation calculations.
  • Knowledge of specific assigned industry, including key risks and long term issues.
  • Ability to work independently as well as collaboratively in a team environment.
  • Strong detail and customer service orientation.
  • Excellent organizational and time management skills, with the ability to deliver commitments while juggling multiple projects and priorities. Ability to work effectively under deadline pressures, and adjust quickly and effectively to changing priorities.
  • Excellent verbal and written communication and interpersonal skills, with the ability develop and maintain relationships and to communicate effectively to all levels of management, staff, and external stakeholders,
  • Knowledge of Microsoft Office applications (Outlook, Word and Excel), and applicable business software applications.
  • Availability for occasional work outside normal business hours.
  • Availability for occasional travel.

  Compensation Information

  • Estimated Base Salary Range: $125,000 - $150,000
  • Target short-term incentive opportunity: 26%

  About CoBank

  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.

  CoBank will not consider a work visa H1B, EAD (Employment Authorization Document or Permit) or OPT (Optional Practical Training) for this position. CoBank is an Equal Opportunity Employer. CoBank requires all newly hired associates to be fully vaccinated against COVID-19, and new hires will be asked to register their proof of vaccination. Any offer of employment will be conditioned upon an applicant supplying proof of vaccination against COVID-19; provided, however that CoBank may provide a reasonable accommodation for an applicant’s known disability or sincerely held religious belief.

• About the company

  CoBank's Value Proposition: CoBank is a financially strong, dependable, cooperative bank that provides credit and financial solutions to rural America. We are knowledgeable, responsive and committed to enhancing our capacity to deliver a superior custo...

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