Internal Reviewer

Position Summary:

Join a team focused on the success of our customers, the success of our communities, and the success of each other. Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest product, fishing, and other agricultural business owners across the northeast with $11.7 billion in total loan volume and $29 million in annual financial services revenue from 18,000 customers across our 8-state territory. We are One Team Working Together with a focus on our five pillars: Outstanding Customer and Employee Experience, Quality Growth, Operational Excellence, Commitment to our Communities, and Protecting Customer Information. 

The Internal Reviewer is responsible for executing independent and ongoing internal review activities that are specifically designed to aid management and the board of directors in monitoring loan portfolio quality and credit risk management. An internal reviewer’s primary responsibilities are to evaluate the accuracy of risk identification, adherence to credit/collateral administration procedures, and compliance with regulations. Reviewers are tasked with utilizing technical subject matter expertise to perform evaluations and document results in a manner that enables the review function to report accurate and meaningful insights to management and the board of directors as required by FCA regulation §618.8430.  

The value drivers for this role are as follows:

• Provide management, the board of directors’ and external stakeholders independent assurance over the accurate recording of credit quality and compliance with the associations credit management system.  
• Identify procedural deviations to promote consistency in credit, operations, and appraisal practices across the association.   

Come join a collaborative, customer-focused team at Farm Credit East!

Duties and Responsibilities:

Technical Internal Review

It is the essential responsibility of the internal reviewer to perform detailed independent loan file reviews. Technical subject matter expertise and judgement are utilized to evaluate all aspects of the loan lifecycle from origination to pay-off. To achieve this, time will be spent comprehensively assessing the following: 

• Suitability of borrower eligibility. 
• Accuracy of financial analysis and appropriateness of loan structure. 
• Thoroughness and accuracy of credit classification and risk identification. 
• Adequacy of Credit and Collateral Administration, including adherence to internal procedures and external regulations.  
• Quality of Loan/Legal Documentation. 
• Sufficiency of servicing strategy.  

Additional responsibilities include: 

• Effectively communicating with lending staff. 
• Identifying and elevating significant findings to senior review staff for discussion. 
• Exercising sound judgement when assigning loan grades and classifying technical findings and corrective actions. 
• Sufficiently documenting review observations in workpapers to support a thorough review of the loan file. 
• Timely completing review activities in alignment with the internal review schedule and/or management’s expectations.   
• Maintain applicable designations 
• Dedicating time to professional development and document knowledge and skills obtained to support participation in review activities 

Relationships, Teamwork, and Communication

• Proactively form and strengthen long-term relationships within Quality Assurance and the members across the Association.
• Display a positive mental attitude toward the job and contribute positively to the overall morale of the team and Association.
• Communicate confidently in a clear, concise, and articulate manner verbally and in the materials produced
• Establish and maintain a professional rapport with association employees and stakeholders. 
• Demonstrate proficiency of understanding to build confidence and recognition as a qualified reviewer.
• Exercise intellectual humility; recognize and own intellectual limitations for the betterment of oneself and the team.

Technology

• Master the technology systems used in Quality Assurance
• Leverage available technology tools to propose solutions for improved testing efficiencies, data analytics, and displaying results
• Understand and navigate through the relevant applications and systems used by Farm Credit East
• Generate and analyze reports to evaluate testing populations and support conclusions
• Seek to learn new opportunities to maintain and enhance technical relevance
• Remain adaptive to ongoing technology changes within the organization

Job Qualifications and Requirements:

• This position requires a bachelor’s degree in Accounting, Finance, Business, or a related field.
• We offer hybrid work options after six months of employment with Farm Credit East. Hybrid work options are determined based on job role and balancing the needs of the customers, the team, and individual work performance. This will be reviewed based on manager discretion.

Compensation and Benefits:

• Salary Range: $65,000 to $100,000 commensurate with experience
• Short-Term Incentive to reward business results
•  Retirement Contributions :
  • 401k match up to 6% of salary
  • Defined Contribution retirement plan funded at 2-9% of salary depending on years of service
• Time Off:
  • 15-25 days of vacation leave per year, depending on years of service
  • 12 days of holiday leave per year
  • 7.5 days of sick leave in your first year, followed by 12 days of sick leave per year thereafter; unlimited rollover of unused sick leave year to year
• Health and Insurance:
  • Comprehensive medical, dental, and vision plans, including preventive care and wellness programs to support your overall health and well-being
  • Health Savings Account
  • Life insurance at 2x base pay
  • Accidental Death and Dismemberment insurance at 2x base pay
  • Long-term disability insurance at 2/3 base pay
• Additional Benefits: 
  • Tuition reimbursement
  • Continuing education and training
  • Employee Assistance Program offering a wide variety of tools and resources

Farm Credit East is an Equal Opportunity Employer. As an Equal Opportunity Employer, we do not discriminate on the basis of race, color, religion, national origin, sex, sexual orientation, gender identity or expression, age, marital status, parental status, political affiliation, disability status, protected veteran status, genetic information or any other status protected by federal, state or local law. It is our goal to make employment decisions that further the principle of equal employment opportunity by utilizing objective standards based upon an individual's qualifications for a specific job opening. In compliance with the Americans with Disabilities Act (“ADA”), if you have a disability and would like a reasonable accommodation in order to apply for a position with Farm Credit East,please call 1-800-562-2235 or e-mail FarmCreditCareers@farmcrediteast.com.