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Collateral Analyst - Hybrid

Posting Date:  Sep 6, 2022
Location: 

Bloomington, IN, US, 47404 Williamsport, IN, US, 47993 Kokomo, IN, US, 46901 Rochester, IN, US, 46975 Greensburg, IN, US, 47240 Hagerstown, IN, US, 47346 Rushville, IN, US, 46173 Columbus, IN, US, 47203 Franklin, IN, US, 46131 Valparaiso, IN, US, 46383 Rensselaer, IN, US, 47978 Scottsburg, IN, US, 47170 South Bend, IN, US, 46614 Lafayette, IN, US, 47905 Corydon, IN, US, 47112 Washington, IN, US, 47501 Greencastle, IN, US, 46135 Crawfordsville, IN, US, 47933 Jasper, IN, US, 47546

Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents across Indiana, Ohio, Kentucky and Tennessee for over a century. Our purpose is to secure the future of rural communities and agriculture - one home, one farm and one business at a time. We are passionate about serving the needs of our rural communities and creating positive customer experiences.

 

Farm Credit Mid-America is a great place to work!  We have been named as a Best Places to Work in Kentucky for the past 10 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do.  

 
LOCATION:  This position may be located in one of the following Farm Credit retail offices in Indiana - Bloomington, Rensselaer, Rochester, Rushville Scottsburg, Columbus, Corydon, South Bend, Crawfordsville, Valparaiso, Washington, Franklin, Williamsport, Greencastle, Greensburg, Hagerstown, Jasper, Kokomo or Lafayette.
 

TRAVEL REQUIRED:  25% - 50% 

 

About Our Opportunity

Conducts on-site real estate appraisals and valuations of acquired properties and loan collateral, including chattel appraisals and site inspections for environmental risks.  Provides adequate and accurate valuation information to aid Financial Officers and management in the decision-making process. Develops and maintains comparable sales information. 

How You Will Spend Your Time

  • Conducts on-site appraisals and valuations of loan collateral and acquired properties.  Includes defining highest and best use, documenting area and property characteristics, identifying environmental risks, applying accepted valuation methods, supporting conclusions with written narrative, and documenting results in appraisal reports.  
  • Collects, investigates, documents and maintains comparable sales data which includes searching public records, verifying sale conditions and financing terms, making property inspections, abstracting sale price, platting legal descriptions and documenting results.
  • Analyzes and communicates comparable sales information on typical, specialized and complex property types to support land value trends, adjustment factors, depreciation rates, capitalization rates, and valuation methods to internal and external partners.  
  • Coordinates activities through the immediate supervisor to prioritize appraisal requests. 
  • Collaborates with team members, leaders and retail team members from lending, underwriting and operations to provide quality, timely and accurate services to customers which includes fee service appraisal assignments for FSA, bank relationship partners and other Farm Credit associations.  
  • Conducts appraisal evaluation reviews, consigns reports and provides training and consultation to lending staff on collateral issues.  
  • Evaluates the impact of environmental risks by performing site inspections, owner interviews, and documenting findings in written appraisal reports.
  • Evaluates the impact of existing and proposed government programs regarding farming, taxes, zoning, and the environment on property valuations.
  • Represents and communicates the mission and values of Farm Credit Mid-America and complies with its conduct policy, security policy and confidentiality expectations.
  • Maintains a visible presence with regional teams providing market data support and valuation consulting.
  • Collaborates effectively with collateral team members to provide seamless customer service including providing backup for collateral analysts across regional territory lines.
  • Ability to communicate complex information to a non-technical audience.
  • Assists in completing special studies and projects relative to the collateral valuation process and association initiatives.
  • Acts as a development partner for to deliver training which may include supervising state licensed trainee appraisers in attaining real estate appraisal credential.   

Minimum Education & Experience

High School diploma and Licensed/Certified Residential or Certified General state license with at least two years of appraisal experience. -OR- Bachelor's Degree in Agriculture, Business or related field. –OR – Associate’s Degree with two or more successful years’ experience in appraisal role of Market Research Assistant or Associate Appraisal License. Work-related or education-related agricultural, rural or agribusiness experience is preferred.  Demonstrated satisfactory experience in lending, real estate appraisals/review, real estate sales or related field preferred. 
 

Mental & Physical Requirements

  • Engage in telephone and face-to-face conversation to serve customers and give and receive information from customers, staff, vendors, outside consultants and the public.
  • Use a computer and similar office technology and tools.  This involves reading the screen and keying/typing information.
  • Speak and make presentations to individuals or groups on technical subjects related to job.
  • Travel via auto or commercial transportation to carry out essential responsibilities of the job.
  • Successfully interact with and represent the organization to customers, staff, officers, board members, vendors, and/or the public at all levels.
  • Provide sound technical advice to customers and other staff in the subject field(s) related to this position.
  • Understand and explain various subject matter and consulting concepts, programs, terminology, and methods.
  • Reason, judge, compare, calculate, evaluate, decide, and critique such information as written material, numerical data, responses to customer needs, and/or other related work activities.

 

Requirements of the job include the ability to do the work, with or without reasonable accommodations. It is the Association's policy to make reasonable accommodations for individuals with disabilities. Leadership retains the right to add, subtract or change duties of the position at any time.

 

Farm Credit Mid-America provides a competitive total rewards package to our team members. This includes an award winning 401(k) Plan. Our Health and Financial wellness benefits provide safety, security and peace of mind for you and your family. Here is only a highlight of what we provide our team members:

 

  • Medical Insurance - Two consumer-driven health plans available paired with a tax-advantaged Health Savings Account (HSA).
  • Dental - Our dental plan offers option of basic or comprehensive coverage. 
  • Vision Insurance
  • Flexible Spending Accounts - Two Savings Plans to plan for eligible healthcare expenses.
  • Employee Assistance Program (EAP) - Mental Health providers for you and your family.
  • Income Protection - Short and Long-term Disability Insurance coverage.
  • Retirement Savings - Team members have 401(k) savings options with an employer match.
  • Paid Time Off - Vacation, sick, and holidays.

 

This position has a Hybrid Work environment, varies by business and department needs

 

Farm Credit Mid-America is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability or any other category protected by law.  STATEIND


Nearest Major Market: Bloomington Indiana