American AgCredit is a national financial system supporting those who feed, clothe, and fuel the world. The Chattel Evaluator II conducts site visits and valuations of chattel collateral, ensuring compliance with lending standards and providing quality service to customers.
Responsibilities
- Responsible for the proper execution of evaluations for the designated commodities. Has expertise in evaluating a sufficient cross section of the collateral financed by the Association: Vineyards, Dairies, Trees, Fruits & Nuts, Timber, Field Crops, Veggies & Berries, Nurseries, Livestock, Feedlot, Poultry, Winery, Forest Products, Other Marketing Processing or Farm Equipment. Will actively work towards obtaining expertise in additional commodities to adequately service the Association needs
- The Chattel Evaluator II will assist with the Association’s lending process by joining or coordinating with the lending team in customer calls and business development
- Ensures that evaluations meet review criteria, including internal review/Internal Audit, for the designated commodities, addresses any areas of deficiencies as noted
- Is able to independently assess, verify and evaluate chattel collateral up to $5MM in Delegated Evaluation Authority and able to independently complete or provide adequate supervision to others to complete all Evaluation Levels up to Minimum Scope Evaluations which require site visits and verification and valuation of chattel collateral using 3rd party verification sources and Fair Market Value
- Is able to assist in the completion of Evaluations outside of Delegated Authority
- Signs off on lower level valuations outside of staff’s individual Designated Evaluation Authority
- Coordinate with Lending and Underwriting Team regarding documents to be requested from borrowers to verify the accuracy of reported collateral. Verify the accuracy of reported collateral against third party verification sources
- Obtain approved sources to be used as Alternative Inspection Methodology ("AIM") if necessary and appropriate. Verify the accuracy of reported chattel against AIM documents
- Analyzes comparable sales information to support value, trends. May establish or apply appropriate FMV for valuation of chattel collateral
- Independently complete a Site Visit and be able to identify if additional inspection and audit of financial statements and chattel collateral is necessary
- May assist in the inspection and audit of financial statements and chattel collateral
- Is able to independently assess the adequacy of farming practices, and associated risks during the Site Visits
- Responsible for the overall accuracy of the chattel sales databases
- Assists with identifying and executing continuous improvement strategies for the department
- Works in a highly collaborative process with peer evaluators, real estate/operations appraisal staff to coordinate evaluations with the goal of providing effective customer service. Coordinates activities through Regional Manager Director of Chattel to prioritize evaluation requests
- Meets and maintains the evaluation standards and trainings for the designated commodities. Actively seeks to gain expertise in additional commodities as well as expertise in completing more complex evaluations
- Develops a high level of communication and trust through accountability with Customer Hub Teams, ensuring quality starts and positive customer experience. Monitors the level of service provided to clients and corrects deficiencies. Establish and maintain effective customer relations by providing on-going communication, coordination and assistance
- Works with evaluation and appraisal staff in training, coaching, report peer proofing and co-signing of reports. Prepare administrative reviews of reports prepared for association use by outside fee appraisers
- Perform other duties assigned
Skills
- 1-2 years of experience in a similar role
- 30-40% Travel Required
- Ability to perform basic office tasks and work in a typical office setting
- Strong written and verbal communication skills to adequately convey ideas and work well with a team
- Ability to talk and hear, sit and use their hands and fingers, and reach in all directions
- Some lifting and moving of items up to 50 pounds required
- Ability to walk ½ mile, navigate steep terrain and/or construction sites and safely cross fences
- Work during established business hours and may require occasional weekend and/or evening work
Benefits
- Commitment to agriculture and the communities we serve
- Family friendly work environment
- Investment in employee development
- Medical, Dental and Vision coverage
- Outstanding 401k – automatic 3% employer contribution, plus match up to 6%
- Generous Paid Time Off (Vacation accrued at 21 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time)
- Competitive Incentive Compensation Plan
- Disability & Life Insurance
- Employee mental, physical, and financial wellness programs
- The position is bonus eligible based on association and personal performance
Company Overview
American AgCredit is a borrower-owned association chartered through the Farm Credit System. It was founded in 1916, and is headquartered in Santa Rosa, California, USA, with a workforce of 501-1000 employees. Its website is http://www.agloan.com/.
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