Position SummaryThe Loan Quality Monitoring Analyst performs risk-based reviews of loan origination, servicing, documentation, and related operational work. The role evaluates whether loan activities are accurate, complete, timely, consistently executed, and supported by required documentation and approvals. The analyst independently completes complex reviews, documents evidence and conclusions, identifies exceptions and trends, and communicates results to the Loan Quality Monitoring Leader and business partners. The position supports management's ability to identify quality risk, correct deficiencies, and prevent repeat errors.
Key Functions / Essential Duties - Execute loan quality monitoring reviews in accordance with approved plans, methodologies, sampling criteria, documentation standards, and quality expectations.
- Review loan files, system records, approvals, documentation, calculations, servicing activity, and other evidence to determine conformance with applicable requirements.
- Document review procedures, evidence, exceptions, impact, and conclusions in a complete, accurate, and traceable manner.
- Classify and communicate quality exceptions using established criteria; escalate material, recurring, or ambiguous matters promptly.
- Analyze review results to identify error patterns, process breakdowns, training needs, control weaknesses, and potential broader impact.
- Partner with lending, credit, and operations teams to understand processes, validate facts, and support practical corrective action.
- Support root-cause analysis, issue tracking, remediation validation, and follow-up monitoring when assigned.
- Maintain accurate review status, workpapers, reporting inputs, and evidence needed for management, audit, and regulatory review.
Knowledge - In-depth knowledge of lending processes, loan documentation, credit and approval requirements, booking, servicing, and related operational controls.
- Knowledge of applicable lending policies, procedures, delegated authorities, regulatory requirements, and documentation standards.
- Knowledge of quality monitoring, sampling, evidence evaluation, exception classification, root-cause analysis, and issue follow-up.
- Knowledge of loan systems, document repositories, workflow tools, and data used to support lending and servicing activity.
Skills - Analyzes complex loan files and process evidence and reaches clear, supportable conclusions.
- Works independently, manages multiple reviews, and completes assignments with minimal guidance.
- Applies consistent judgment while recognizing conditions that require escalation or specialist input.
- Documents findings accurately and communicates exceptions constructively to lending and operations partners.
- Identifies themes and root causes using review results, operational information, and data analysis.
- Uses spreadsheets, reporting tools, loan systems, workflow systems, and document repositories effectively.
- Protects confidential customer and Association information and maintains an objective review approach.
Minimum Required Qualifications- Education: Bachelor's degree in business, finance, accounting, agriculture, risk management, or a related field, or an equivalent combination of education and relevant experience.
- Experience: 5 years of relevant experience in lending, credit, loan operations, quality assurance, risk, compliance, audit, or a related discipline required. Preferably in banking/financial industry.
- Licenses/Certifications: No certification required.
Travel RequirementsTravel required up to 10%
Work Environment / Physical Requirements This position requires the ability to perform essential job functions in a professional office environment, which may include both
indoor and outdoor work settings as needed.The employee is regularly required to sit for extended periods and perform work at a desk and computer. Effective written and verbal communication skills are necessary to collaborate with others and convey information.
The role requires the ability to communicate, remain in a stationary position for periods of time, and use hands and fingers to operate standard office equipment. The employee may also need to reach in various directions and occasionally move or lift items up to 25 pounds.
Work is generally performed during established business hours; however, occasional evening and/or weekend work may be required.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.Disclaimer This job description is intended to describe the general nature and level of work performed by individuals in this role. It is not intended to be an exhaustive list of all duties, responsibilities, or qualifications. Responsibilities may change based on business needs.
#LI-Remote
FULL-TIME REMOTE: These roles and job functions can be done remotely, while maintaining our strong commitment to customer service and our business goals. Employees are welcome to come to an office to work if needed, and some travel for team meetings will be required.
PAY RANGE:Minimum $83,889.29 - Max $142,611.79 Annual
This range is reflective of the national salary average for this position and will be adjusted using geographic variance for physical location of the hired candidate. American AgCredit may compensate outside of the salary range for bona fide reasons not related to membership in a protected class.
- Reflected is the national base pay range and title offered for this job at the current level.
- Compensation, title, and job level may be adjusted based on candidate qualifications including but not limited to achievements, skills, experience, or work location.
- Salary offered, within the applicable range, is one component of the total rewards package offered to candidates.
#LI-REMOTE
All hiring is contingent on eligibility to work in the United States. We are unable to sponsor or transfer visas for applicants.
