Remarkable Benefits offered by CoBank

• Careers with a purpose - stand for something!
• 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
• CoBank University robust curriculum –associate training and development, including higher education tuition reimbursement
• Outstanding 401k – up to 6% matching and additional 3% non-elective contribution
• Time-Off Packages – Vacation 15+ days, 10 Paid Sick Days, and 10 Paid Holidays
• Community Impact – United Way Angel Day, Volunteer Day and Associate Directed Contribution
• Associate Resource Groups – creating a culture of diversity and inclusion

• Works with lending to support credit arrangements for wholesale customers.
• 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 on general research issues. Understands and follows bank guidelines, policies, and procedures for the preparation and presentation of credit information.
• 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.
• Assists with internal research and analysis, provides statistical reports, and verifies information. Prepares and delivers presentations on topics as assigned.
• 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.
• Maintains expertise in assigned industries or market sectors. Keeps abreast of industry trends and competitive environment.
• Other Duties and Responsibilities:
• Provides coaching and consultation on credit analysis, financing techniques, and other matters related to the delivery of credit.
• Develops in depth innovative credit skills.
• Participates in special projects, and performs other duties as assigned.

• Bachelor’s degree in business, finance or relevant discipline
• Five (5) or more years of credit experience in banking industry; or appropriate combination of education and experience.

• Advanced knowledge of complex lending, financial structuring and credit arrangements, and bank products.
• Extensive knowledge of the Farm Credit System and Farm Credit Administration (FCA) statutes and regulatory environment, including the composition of CoBank’s affiliated Associations’ loan portfolios and credit quality, Farm Credit Bank funding responsibilities and Association producer lending.
• Knowledge of complex lending, financial structuring and credit arrangements, and bank products.
• Knowledge of credit and financial analysis, including cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis.
• Knowledge of financial reporting systems, with the ability to research and compile data from various CoBank systems, computerized databases, and other research sources.
• Knowledge of generally accepted accounting principles, banking trends and techniques, and their applications.
• Advanced skills performing technical analysis utilizing spreadsheets, database and other technical functions, including relevant systems utilized in the preparation of financial reporting for CoBank.
• Knowledge of financial modeling techniques, with the ability to successfully manage complex financial analysis and reporting projects.
• Knowledge of budgeting, forecasting and management reporting of large commercial financial institutions.
• Demonstrated organizational, analytical, decision making and problem-solving skills, with the ability to prioritize workload and deliverables under tight time constraints and competing priorities.
• Excellent verbal and written communication, presentation and interpersonal skills, with the ability to develop and maintain effective working relationships with all levels of management, staff, customers and other stakeholders. Able to present research and analysis to impact opinion.
• Ability to work independently as well as collaboratively in a team environment.
• Demonstrated leadership and coaching skills.
• Knowledge of Microsoft Office applications (Outlook, Word, PowerPoint and Excel).
• Availability for occasional work outside normal business hours.
• Availability for occasional travel.
• Advanced knowledge of Generally Accepted Accounting Principles (GAAP), taxation, legal forms of organizations, and business law.
• Knowledge of specific assigned industry, including key risks and long-term issues.
• Ability to use creativity and innovation to address financing issues.
• Ability to consolidate many resources to complete the "deal."
• Demonstrated problem solving skills.
• Excellent 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.

Compensation Information

• Estimated Base Salary Range: $80,000-140,000
• Target short-term incentive opportunity: 13%-15%

CoBank stands strong as an enterprise dedicated to the financial needs of rural America. As a national cooperative bank and a proud member of the Farm Credit System it is our mission to serve as a relevant and dependable provider of credit and other value-added financial services. From our headquarters in Denver, Colorado and our regional banking centers across the US, CoBank provides loans, leases, export financing and other financial services to agribusinesses and rural power, water and communications providers in all 50 states.

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.