Enterprise Credit Collateral Auditor

Enterprise Credit Collateral Auditor - KY/ TN/ OH/ IN/ Eastern AR Posting Date: May 6, 2026 Location: Louisville, KY, US, 40299 Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences. SCHEDULE: Full Time, Hybrid

TRAVEL REQUIRED: 25% - 50%

COMPENSATION: $82,497.00 to $141,221.00 base salary plus potential for variable compensation. Base pay is determined by your skills, qualifications, experience, and location. Farm Credit Mid-America/Rural 1st may compensate outside of the salary range for bona fide reasons not related to membership in a protected class. About Our Opportunity The Enterprise Credit Collateral Auditor is responsible for conducting comprehensive evaluations and asset-based field examinations to ensure all collateral pledged is verified and reported accurately in accordance with established credit and security agreements and documented in accordance with internal underwriting and collateral standards. This role ensures assets reported on a borrowing base are accurately reported by a borrower through appropriate financial and systems control testing procedures. The role ensures collateral pledged is appropriately secured and monitored in accordance with sound lending principles. The auditor will verify the legitimacy, ownership, and valuation of pledged assets in accordance with loan covenant definitions, assess the adequacy and condition of collateral, identify risks or discrepancies, and ensure that collateral information is consistently maintained in appropriate borrower systems. This position plays a critical role in safeguarding the organization’s credit exposure by confirming that all collateral securing asset-based loans are valid, enforceable, and sufficient to support credit decisions. This role brings deep expertise and wide operational latitude, handling complex or ambiguous work that requires sound judgment and strong problem‑solving skills. Team members at this level influence outcomes across teams, lead or support significant initiatives, and contribute to improved performance, quality, and efficiency. They demonstrate strong analytical capability, coach others, and extend their impact beyond their immediate responsibilities. How You Will Spend Your Time Prepare clear, comprehensive collateral audit reports that summarize audit findings, identify exceptions, and risk exposures, and provide actionable recommendations. Present results to customers, management, credit officers, relationship teams, and loan committees to support sound credit decisions and remediation efforts. Conduct onsite and remote collateral examinations of accounts receivable, inventory, and other personal property or chattel security. Verify existence, ownership, and reporting accuracy by comparing physical observations to reported data, identifying discrepancies, and reconciling collateral records within the borrowing base to ensure compliance with loan terms. Engage directly with customers on a regular basis to provide guidance and education on borrowing base report preparation, promoting accurate reporting, strong internal controls, and adherence to lending requirements. Applies advanced expertise to independently manage complex, high‑impact work. Balances risk, quality, and business priorities using advanced judgment and foresight. Leads or significantly contributes to initiatives that enhance processes, systems, or outcomes. Consults with partners across functions to provide insight, recommendations, and solutions. Mentors others to build technical and professional capability across the team. Influences outcomes beyond the immediate role through collaboration and trusted expertise. Education & Experience High School Diploma/GED with 8 years relevant experience required. Bachelor's degree with 4 years relevant experience preferred. Mental & Physical Requirements While engaged in this position, team members will routinely sit, use hands for tasks, and communicate orally. Standing or walking is frequently required, while occasional demands include reaching with hands and arms, and lifting or moving up to ten pounds. Vision requirements encompass close and distance vision. The work environment typically has a moderate noise level. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem‑solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid driver's license, and the ability to drive a long‑distance. Reasonable accommodations will be considered for individuals as requested. 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 a highlight of our Total Rewards and Benefits. Farm Credit Mid-America is an equal opportunity employer, and all applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other category protected by law. #J-18808-Ljbffr E Farmcredit