Senior VP of Portfolio Risk Management

At GreenStone, our employees share a passion for making a positive impact on rural communities. We are proud to serve customers who embody the values of hard work, commitment, and community-values that our employees live by every day. As part of a $14 billion portfolio, our team supports everything from local homeowners to global agriculture and food businesses, offering you a unique chance to grow with us while maintaining a local presence. Additionally, many of our team members are highly respected in their area of expertise at both the state and national level making GreenStone one of the top Farm Credit associations in the country.
Culture
Core Four values steer everything we do at GreenStone. Customer First, Delivery Quality, Get involved, Do the right thing. Employees work as a team to create a company fueled by the desire to best serve each other and our customers every day. Greenstone culture promotes innovative thinking, professional development, health and wellness, and a relaxed work environment with flexible schedules.
What can we offer you?
GreenStone trusts the people we hire. We empower employees to make the best decisions for the customer and the company.
GreenStone has an outstanding Total Rewards package, which includes, but is not limited to:

• 15 vacation days, 12 sick days, and 12 paid holidays per year
• 401(k) plan - up to a 9% employer contribution/match
• Medical, Dental, Vision, STD, LTD, Life/AD&D benefits, etc.
• Paid Parental leave
• $150/year Logo Wear allowance
• $400/year Wellness Subsidy/Reimbursement & wellness programs
• $6,000 lifetime maximum Student Debt repayment program or tuition assistance
• Yearly bonus/incentive opportunity available to all employees

We're seeking a strategic leader to oversee and enhance our Association's portfolio risk management across market segments and provide direct leadership over the Agribusinesss credit segment. This role directs credit activities, chairs key credit committees, and shapes credit strategies that align with our mission and values.
Key Responsibilities:
Leadership

• Directs the activities and initiates actions of direct reports toward accomplishments of goals by clearly assigning responsibilities and tasks and establishing controls to monitor progress.
• Ensures direct reports have necessary resources and authority to effectively perform their job.
• Keeps direct reports informed of decisions, changes, and relevant information on a timely basis.
• Coaches direct reports, provides performance feedback through continuous performance management program, makes salary and promotion recommendations, and facilitates their professional growth.
• Provides strategic direction to EVP-CCO on department initiatives focused on achieving core business plan objectives while adhering and organizational values and credit culture.
• Engages regularly with internal and external leaders to address challenges and opportunities that are aligned with Association mission and vision.

Strategic Credit Management

• • Develops and implements philosophy, policies, procedures, standards, guidelines, goals, and credit plan to ensure credit quality, credit administration, and loan underwriting consistent with Association credit philosophy, achievement of business objectives, credit goals, and ensure Association fulfills its mission and vision.
  • Develops and presents reports to senior management, periodically the board of directors, and other staff evaluating portfolio risk that results in proactive adjustments to credit direction that balances loan investments, capital at-risk with targeted loan growth in an ever-changing economic landscape.
  • Chairs and participates in Credit Committees as designated.
  • Develops, recommends, and implements strategies to improve loan portfolio risk identification and monitoring systems, return on assets, loan negotiations, and loan modification parameters.
  • Evaluates available software and technology solutions that will drive improvement in organizational risk assessment capabilities as well as efficiencies in the loan underwriting, monitoring and modification processes.

Risk Management:

• • Working with Information Technology, Data Analytics, and direct reports, ensures the monitoring, analysis, and evaluation of the Association's credit portfolio, including high-risk loan accounts, identifying and reporting trends quality, risk, and other factors. Adjusts underwriting guidance to reflect portfolio risk trends and market segment economic outlooks.
  • Recommends, administers, and monitors staff utilization of delegated Agribusiness lending authority.

Credit Administration:

• Evaluates effectiveness of credit policies and procedures to ensure credit administration is carried out at a satisfactory or better rating.
• Oversight of lending and credit staff credit administration evaluation process and final approval of recommended grading along with interim evaluations as needed.
• Provides direction and hold accountable Capital Markets, ALG, and management teams to ensure proper portfolio selection, loan structuring, loan modification, and global credit administration responsibilities are being performed at an acceptable level on an ongoing basis.
• Works collaboratively with all market segment credit and sales leadership on identified projects
• Provides direction for database management and assure sound data integrity.
• Oversees the coordination of Association credit audits conducted by internal and external sources.

Position Requirements:

• Bachelor's Degree is required. Degree in Business Administration, Economics, Finance, Ag Business, or related fields preferred.
• Master's degree, graduate school of banking or other advanced degree is preferred.
• 10+ years of progressively more complex experience in credit underwriting and agricultural lending within a Farm Credit System institution or similar financial services organization required.
• 5+ years of supervisory experience is required.
• Proven leader with a strategic mindset and experience in complex financial problem-solving.

Why GreenStone?

• Be part of a company that values community and teamwork.
• Enjoy opportunities for professional growth in a collaborative environment.
• Help build the workforce that supports rural America and the future of agriculture.

GreenStone Farm Credit Services is an equal opportunity employer. It is our policy to provide equal employment opportunity to all persons regardless of race, color, religion, national origin, sex, sexual orientation, gender identity, age, disability, veteran status, genetic information, or any other characteristic protected by law. We comply with all federal, state and local equal employment opportunity regulations. We conduct all personnel decisions and processes relating to our employees and job applicants in an environment free of discrimination and harassment.