Job Description

CHS Inc. is a leading global agribusiness owned by farmers, ranchers and cooperatives across the United States that provides grain, food and energy resources to businesses and consumers around the world. We serve agriculture customers and consumers across the United States and around the world. Most of our 10,000 employees are in the United States, but today we have employees in 19 countries. At CHS, we are creating connections to empower agriculture.

Summary

CHS Capital, LLC is seeking a Senior Loan Officer to support our operations in Northwest Minnesota and Eastern North Dakota. The ideal candidate will be based in the Fargo/Grand Forks area and will work out of an Ag Retail location and home office, with occasional visits to the office. This position involves working closely with operating and input loan customers, supporting product sales while managing risk, and financing farm operations through crop input and crop operating loans. The role focuses on managing and identifying risk, with a small portion dedicated to support collection efforts.

Responsibilities

• Develop and maintain a client base of CHS Inc. producer customers and affiliated local cooperatives and independent agronomy suppliers.
• Conduct ongoing relationship management meetings with producers, general managers, credit managers, agronomy managers, and boards of directors.
• Identify strategic partnerships and producer financing programs to increase loan volume at acceptable credit quality.
• Work directly with producers to develop financial statements, cash-flow statements, profit and loss statements, etc.
• Collaborate with CHS Capital Management, Loan Officers, Ag Retail, and Country Business Partners to develop and implement producer loan programs, product lines, and marketing materials.
• Support CHS Capital Product & System Development/IT Initiatives/Customer Service to deliver high-quality products and services to customers.
• Analyze financial reports to prepare credit quality and collateral updates on accounts within the portfolio.
• Prepare and deliver CHS Capital public relations at public events such as regional cooperatives’ annual meetings, cooperative manager association events, and local cooperative functions.
• Travel could be up to 50% with mostly day trips to visit internal and external customers.

Minimum Qualifications (required)

• High School diploma or GED
• 4+ years of experience in Finance, Accounting and/or Credit

Additional Qualifications

• Background in agriculture.
• Experience with UCC liens and/or Ag liens.
• Customer service or sales experience.
• Member of the American Bankers Association.
• Experience as an ag loan officer or in credit underwriting.
• Ability to give effective presentations and have difficult conversations.
• Experience with loan committees and the loan approval process.
• Excellent communication and presentation skills.
• Ability to analyze financial data in depth.
• Proficiency in MS applications such as Excel, Word, and PowerPoint.
• Bachelor's degree preferred in Finance, Accounting, Statistics, Economics, Business, Business Administration, or related field
• Pre-employment screening is based on the job requirements and industry guidelines and may or may not be required for the position. If required, selected candidates must pass pre-employment screenings to include all or a combination of drug, criminal, motor vehicle check, physical requirements and FMSCA Clearinghouse #LI -WB1

CHS offers a competitive total rewards package. Compensation includes base wage and, depending upon position, may include other earnings such as bonus, incentives and commissions. Actual pay offered will vary based on multiple factors which may include, without limitation, experience, education, training, specialized skills and certifications, minimum wage/salary requirements under local law.

Benefits include medical, dental, vision, wellness programs, life insurance, health and dependent care spending accounts, paid time off, 401(k), pension, profit sharing, short- and long-term disability, tuition reimbursement and adoption assistance, subject to the eligibility requirements for each benefit plan.

CHS is an Equal Opportunity Employer/Veterans/Disability.

Please note that any communication from a CHS recruiter would be sent using a chsinc.com email address. In addition, a CHS recruiter will not ask for confidential information over the phone or in an email, or request money from a candidate involved in an offer process. If you have questions regarding an employment opportunity, please reach out to chscareers@chsinc.com ; to verify that the communication is from CHS.

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