Agricultural Underwriter (Remote LATAM) - 64175079463

The Underwriter will be responsible for evaluating and underwriting credit applications, assessing financial risk, and ensuring strict compliance with company policies and regulatory lending guidelines.

This role demands an exceptional level of quality, analytical precision, and strict adherence to fast turnaround SLAs. Due to the seasonal nature of agricultural and commercial production lending, flexibility to work extended hours during peak lending periods is essential.

• Review and analyze credit applications, tax returns, balance sheets, cash flow projections, and credit reports to determine creditworthiness and repayment capacity.
• Act as a primary line of defense in managing financial reconciliations, identifying crop mix or operational collateral changes, and flagging out-of-compliance issues.
• Provide thorough analytical reviews and risk assessments for loan amendments, modifications, and re-underwrites.
• Ensure all credit decisions, risk ratings, and approval rationales are documented accurately and comprehensively in the loan system.

Responsible for executing work within strict operational metrics:

• New Loan Underwriting: Processed within 1 business day
• Condition Clearing (New Loans): Within 4 hours
• Condition Clearing (Re-Underwrites): Within 2 hours
• Risk Audit Failed File Clearances: Within 4 hours
• Addendum Reviews & Follow-Up Requests: Within 4 hours
• Underwriting Variances: Within 4 hours
• Reconciliations (Review / Extension / Additions): Within 4 hours
• Funding Document Packages: Within 1 hour

• Maintain a quality audit score of 95% or higher and a minimum accuracy score of 99% on audited loan files.

• Dedicated Workspace: Quiet, professional home office setup free from background noise.
• Hardware & Tech: Reliable computer setup capable of handling dual-screen financial analysis and large PDF loan packages.
• Connectivity: High-speed, stable fiber internet connection.

• Educational Background: Degree in Banking, Finance, Accounting, Statistics, Economics, or a related quantitative field preferred.
• Language Skills: Bilingual (English/Spanish) highly preferred (must possess fluent written and spoken English for U.S. loan documentation).
• Experience: Minimum 2+ years of experience in commercial credit underwriting, financial statement analysis, or banking operations (experience in agricultural lending, production credit, or commercial asset-based lending is a strong plus).
• Credit Foundations: Completion of a formal credit training program preferred.
• Analytical Precision: Exceptional attention to detail, accuracy, and strong financial ratio analysis skills.
• Time Management & Urgency: Ability to work efficiently under tight turnaround deadlines in a high-volume pipeline.
• Peak Season Availability: Understanding that peak lending seasons require operational flexibility to meet critical deadline processing times.