A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. When you choose a career with CoBank, you make a difference by standing for something that matters. In order to be the best, we hire the best!

Remarkable Benefits offered by CoBank

• Careers with a purpose- stand for something!
• Competitive Compensation & Incentive
• Hybrid work model – flexible arrangements for most positions
• Benefits Packages, including: Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance
• CoBank University robust curriculum –associate training and development, including higher education tuition reimbursement
• Outstanding 401k – up to 6% matching and additional 3% non-elective contribution
• Time-Off Packages – Vacation 15+ days, 10 Paid Sick Days, and 11 Paid Holidays
• Community Impact – United Way Angel Day, Volunteer Day and Associate Directed Contribution
• Associate Resource Groups – creating a culture of diversity and inclusion
• Recognize a fellow associate with “GEM” awards, including a monetary value
• On-site Fitness Center and Café
• ECO transportation pass provided to every Denver associate

At CoBank, our Supervisor, Credit oversees the overall underwriting, portfolio management and the development and implementation of credit structuring alternatives to mitigate risk and support marketing efforts for a defined region or territory. Review and approve credit actions as prepared by team members. This key role also has standard credit responsibilities to evaluate and underwrite new business opportunities, lend support to multiple relationship managers, present and co-sponsor credits for approval and take a leadership role in managing a portfolio of highly structured cash flow transactions. Helps educate, train, develop and support team members in their credit structuring, analysis and portfolio management responsibilities. This position leads a team and as such will set performance standards, manages workflow requirements, grants authorities, evaluates performance and recommends personnel actions within delegated responsibilities. Completes special projects and participates and authors industry research as requested and assists in implementing CoBank and Division portfolio management strategies. Serves as the back-up and may perform Credit Director review, reporting and divisional responsibilities for broader portfolio when called upon within delegated authorities.

Essential Duties and Responsibilities

• Assists with overall credit administration and targets for workgroup in conjunction with bank/group performance targets. Under direction of credit management staff, counsels with less experienced credit professionals to establish individual targets and the ongoing achievement against such targets.
• Supervises credit quality targets for assigned portfolio. Under direction of credit management staff, counsels with staff on the development and achievement of credit quality goals, including appropriate intervention measures to maintain the quality of the account.
• Reviews approval, or approves the extension of credit to certain accounts requiring a higher level of delegated authority.
• Supervises less experienced credit professionals and assists them in their development of credit alternatives and analyses for customers. Provides leadership and guidance in a team approach to account management and credit administration.
• Assists with development of long and short-range credit quality targets for the unit. Coaches less experienced credit professionals on achievement of plans.
• Under direction of credit management staff, ensures effective and efficient credit approval process. Fosters a credit culture to encourage early interaction between credit and the line to identify core issues and resolution strategies.
• Assists in planning activities for the division and the group. Contributes to the development of new or improved processes, products and services.
• Supervises workflow and establishes priorities to meet internal and external deadlines.
• Supervises staff. Sets performance standards, manages workflow, grants authorities, evaluates performance, and recommends personnel actions within delegated authorities. Consults with Human Resources as appropriate.
• Serves as back up for credit officer and may perform credit officer duties for assigned portfolios.
• Conducts ad-hoc analyses as requested.
• Participates in special projects, and performs other duties as assigned.

Basic Qualifications

• Bachelor’s degree in business, finance or relevant discipline
• Six (6) or more years of credit experience in banking industry; or an appropriate combination of education and experience.

Preferred Qualifications

• One (1) or more years of supervisory/managerial experience preferred.
• Master’s degree or MBA preferred.
• Demonstrated leadership and coaching skills, with the ability to develop and manage processes to motivate staff to achieve desired results.
• Advanced knowledge of complex lending, financial structuring, credit arrangements, and bank products in a banking environment.
• Advanced knowledge of credit and financial analysis, including cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis.
• Advanced knowledge of Generally Accepted Accounting Principles (GAAP), taxation, legal forms of organizations, and business law.
• Advanced knowledge of financial modeling techniques and preparation of pro forma financial statements.
• Advanced knowledge of credit underwriting policies, procedures, processes, collateral valuation, and documentation.
• Advanced ability to perform discounted cash flow analysis, capital budgeting (internal rate of return, net present value, etc.), and equity valuation calculations.
• Knowledge of specific assigned industry, including key risks and long term issues.
• Ability to work independently as well as collaboratively in a team environment.
• Strong detail and customer service orientation.
• Excellent organizational and time management skills, with the ability to deliver commitments while juggling multiple projects and priorities. Ability to work effectively under deadline pressures, and adjust quickly and effectively to changing priorities.
• Excellent verbal and written communication and interpersonal skills, with the ability develop and maintain relationships and to communicate effectively to all levels of management, staff, and external stakeholders,
• Knowledge of Microsoft Office applications (Outlook, Word and Excel), and applicable business software applications.
• Availability for occasional work outside normal business hours.
• Availability for occasional travel.

Compensation Information

• Estimated Base Salary Range: $125,000-$150,000
• Target short-term incentive opportunity: 26%

CoBank stands strong as an enterprise dedicated to the financial needs of rural America. As a national cooperative bank and a proud member of the Farm Credit System it is our mission to serve as a relevant and dependable provider of credit and other value-added financial services. From our headquarters in Denver, Colorado and our regional banking centers across the US, CoBank provides loans, leases, export financing and other financial services to agribusinesses and rural power, water and communications providers in all 50 states.

CoBank will not consider a work visa H1B, EAD (Employment Authorization Document or Permit) or OPT (Optional Practical Training) for this position.
CoBank is an Equal Opportunity Employer.

CoBank requires all newly hired associates to be fully vaccinated against COVID-19, and new hires will be asked to register their proof of vaccination. Any offer of employment will be conditioned upon an applicant supplying proof of vaccination against COVID-19; provided, however that CoBank may provide a reasonable accommodation for an applicant’s known disability or sincerely held religious belief.