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
The Supervisor, Review (Supervisor) position is characterized as a hybrid leadership / examiner position within Asset Review, wherein the associate has previously demonstrated an advanced level of credit expertise in diverse areas of credit and loan portfolio review, with specific experience reviewing equipment leasing, as well as leadership and support in developing Associate and Examiner level positions, and is now specifically assigned management responsibilities for a group of examiners on the Asset Review team, leadership responsibilities for a technical area of review activity, while continuing to provide support as needed as an Examiner on select portfolios.
The Supervisor position will report to the Director, Asset Review, with support from the SVP, Asset Review as needed. The Supervisor will support the Director, Asset Review in the ensuring the timely completion of the annual Asset Review program, developing and monitoring performance to the division budget and department duties as further assigned. The position will entail additional non-standard review activities, including leading special projects throughout the bank, consulting with Farm Credit System (FCS) Associations on guidelines and review standards, and participating in FCS workgroups, as assigned, as well as Assurance Group planning meetings.
The Supervisor position will be responsible for the development, implementation, and successful completion of the Farm Credit Leasing (FCL) Review plan regarding portfolio review activities at FCL and FCL Lease Partners, including an extensive review of documentation procedures and ongoing procedural changes. This includes completing the annual risk assessment for FCL along with ongoing monitoring, leading and supporting review activities, review and approval of the communication of review activities to FCL senior management, and supporting the communication of review results to the CoBank Audit Committee.
The Supervisor will be responsible for the direct management of Associate, Sr. Associate and Examiner (I & II) positions and will support their credit development, broad training in leading credit reviews, as well as their overall leadership development and career pathing. The Supervisor position will conduct credit quality, credit administration and credit operational reviews within the Bank, District Associations, and other financial companies as required. Additionally, the position will serve as the Examiner-in-Charge for a limited assignment of loan portfolios, with responsibility for developing loan review activity plans, coordinating and overseeing review activity, and preparing professional reports for distribution to senior management.
The Supervisor position will identify specific and general areas of concern as well as recommend process and credit administration enhancements based on the results of review activity. The position will analyze financial statements, credit narratives, spreadsheets, and supporting loan and legal documentation in order to fully analyze, report, and make recommendations during the course of a review. The position will assist both the internal and external audit and review functions with credit-related programs and activities. The position will assist both internal and external audit and review functions with credit-related programs and activities.
The Supervisor will coordinate review activity with other areas within the Assurance Group as well as the Farm Credit Banking Group, outside contract examiners and regulators, as applicable, while serving as an official liaison for the Asset Review division when conducting review activity.
1. Develops and enhances relationships between Asset Review and business line and credit leaders within the Bank and Farm Credit Leasing (FCL). On an ongoing basis, reassesses review activity within
the equipment finance/leasing space for effectiveness and efficiency in order to support reinvention initiatives at FCL.
2. Coordinates and leads the loan review activity for the FCL portfolio and assists in the preparation and communication of the FCL Review plan to review team and senior management. Coordinates
review activity with FCL and FCL Lease Partners, as well as review team and applicable internal audit teams.
3. Participates in the recruiting and hiring process, from networking with potential candidates and being an ambassador for the Asset Review division throughout the bank to interviewing, assessing and
providing recommendations to the Director and SVP, Asset Review. Ensures examiner teams possess a diverse skill set to facilitate continuous learning, while also safeguarding all team members have
opportunities for active participation throughout the year.
4. Manages Associate, Sr. Associate, and Examiner (I & II) positions and assists in the development of credit review experience, leading review activities as the Examiner-in-Charge, and in their overall
leadership development and bank-wide relationships. Responsible for the supervision of assigned Examiner positions including setting formal and informal performance standards, managing workflow, evaluating performance and recommending personnel actions. Consults with Director & SVP, Asset Review and Human Resources as necessary.
5. Establishes and manages individual development goals for Examiners. Counsels on the achievement of development goals through periodic one-on-one meetings, mentoring activities, supporting and leading training opportunities, and group and asset review team activities.
6. Provides support to the Director, Asset Review with the coordination of the FCL Review Plan and provides input on the progress of overall FCL review activities. Works with the Director, Asset Review to establish sector budget for travel, training and management of the FCL Review Plan.
7. Initiates and leads the annual and ongoing risk assessment activity at FCL including, but not limited to, summarizing key risk factors from the review of regulatory, audit and portfolio reporting, changes from ongoing automation and process development, as well as identifying key control areas to be tested during ongoing review activity.
8. Provides ongoing support to associates serving as an Examiner-in-Charge, including, but not limited to, working on complex credit analysis and corporate structures, providing guidance on rating and classification decisions, assisting in the development of the overall review and report plans, and assisting in the communication of overall review findings to senior management.
9. Reviews activity and reports prepared for FCL review activities prior to submission to Director, Asset Review. Supports activities of all team members including being available for guidance in the area of equipment leasing review activities, as well as general guidance across all areas of loan portfolio review.
10. Develops and prepares summary information related to FCL Review activity for CoBank Audit Committee which highlights major themes and identifies emerging risks.
11. Participates and supports planning and budgeting activities for FCL review activity. Provides summary and detail information regarding review costs and recommends incremental expense improvements. Reviews budget information prior to submission to SVP, Asset Review and provides input and support to Director, Asset Review in the communication of budget expectations with team. Monitors actual expense activity in relation to budget and supports a prudent expense culture within the team.
12. Conducts ongoing credit, credit operations and documentation reviews for all portfolios covered by the Asset Review division to ensure completion of the annual Asset Review plan, as developed jointly with the Director, Asset Review, Manager, Association, and the SVP, Asset Review. Review activities include an assessment of promissory notes pledged as collateral to ensure that notes are appropriately reported for quality and meet the underwriting standards and servicing requirements specified in the loan agreements. Assures development of a coordinated and complete set of work-papers, documenting the results of the analysis of reviewed portfolios according to Asset Review guidelines.
13. Serves as the Examiner-in-Charge for a limited set of portfolios, including, but not limited to, the development of review activity plans, coordination of credit and operations reviews, performing quality control assessments on review activity, and reporting material findings. Ensures that activities meet the timeliness objectives of Asset Review guidelines, while managing the relationship to ensure minimum disruption to business operations.
14. Shares knowledge of established review programs to team members and the Assurance Group, as applicable, to ensure consistent application of risk rating and performance classification methodology.
15. Identifies and completes continued education requirements, in line with Asset Review guidelines, as well as specific training opportunities developing leadership skills or specific credit expertise.
- 8 years years in credit and lending with exposure and knowledge of credits similar to the Bank’s portfolio, preferably in the equipment financing/leasing area; Or 2-3 years in credit administration examination activities, preferably of credits similar to the Bank’s portfolio, required
- Prior Experience overseeing direct reports, preferred
- The associate’s experience level must demonstrate a high level of expertise throughout various industries, including production ag, cooperative, commercial and industrial, commercial real estate, equipment finance, sponsor finance, and consumer, as well as in the areas of credit analysis, leasing, and credit review.
- Advanced knowledge of asset based, equipment, real estate, commercial, cooperative, consumer, and large syndicated agency lending/leasing, collateral audits, credit and administrative reviews, and due diligence processes.
- Knowledge of complex lending arrangements, financial structuring, loan documentation, collateral perfection, and bank products across industry lines, including but not limited to, commercial, large syndicated transactions, cooperative, producer lending, and equipment leasing.
- Knowledge of the Farm Credit System and the Farm Credit Administration (FCA), including knowledge of FCA regulations and practical applications thereof; knowledge of OCC, FDIC, and CFPB regulations are preferred but not necessary.
- Advanced mentoring and coaching skills, including the ability to communicate development goals and provide support to junior staff.
Excellent oral and written communication skills, including ability to communicate technical and nuanced concepts and the ability to negotiate satisfactory resolutions of differences of opinion.
- Advanced knowledge in Microsoft Outlook, Word, and Excel, including experience using Excel Pivot Tables.
- Ability to manage projects and diverse teams in a fast-paced environment.
- Leadership skills and relevant accreditations or specialized skills (e.g. appraisal or review certifications, fraud examiner, etc.)
- Ability to lead and influence team members and direct reports.
- Ability to develop, implement, and facilitate training activities.
- Ability to prioritize and schedule projects with minimal supervision.
- Ability to work flexible hours, including nights and weekends, depending on project or travel requirements.
- Ability to travel 15-25% required. Additional travel may be required on a limited basis, based on workflow.
The typical base pay range for this role is between $127,320 - $177,038. 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. This job will be posted for a minimum of five (5) business days or until the position is filled. 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 recruiting@cobank.com. 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, national origin, disability, or status as a protected veteran.
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