Agribusiness Specialist

Field Crop Inspector

Support the Bank's lending efforts through physical field inspection of assigned farming operation relationships, to assess agricultural practices, financial controls and progress of seasonal crops and development of permanent plantings. Review crop and development budgets to help assess a primary source of repayment and security for Bank originated farm loans.

Essential Duties and Responsibilities

• Complies with, and stays abreast of, all policies and procedures, federal and state laws applicable to the job.
• Perform physical crop/field inspections for agribusiness loans originated by the Agribusiness Group and by other Business Financial Centers.
• Analyze and adjust crop budgets and permanent planting development budgets.
• Calculate Crop Equity Margins, to assess liquidity in the farming operation and to assist in assessing collateral coverage.
• Prepare comprehensive, well-written and timely Crop/Development Inspection Reports and Budget Reviews.
• Analyze and assess Borrower risk to water availability and drought.
• Maintain updated information on industry crop commodity prices, to assist with budget review requirements.
• Perform asset based/formula collateral audits for agricultural processors or commodity brokers, to analyze a Borrower's or Prospect's quality and potential risk in trading assets as collateral.
• Notify supervisor or management of concerns with farming practices, or with development of the crop or permanent plantings, and recommend necessary corrective actions based on inspection results and budget reviews.
• Maintain an accurate log of travel, inspection and report preparation time for each assignment completed.
• Provide, present, and promote the Citizens Experience to all external and internal customers.
• Other duties as assigned.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

Bachelor's degree (B. A.) from four-year college or university; or three to five years related experience and/or training; or equivalent combination of education and experience.

Language Skills

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Mathematical Skills

Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations and interpret and draw bar graphs.

Reasoning Ability

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Computer & Software Skills

To perform this job successfully, an individual should have basic familiarity and a working knowledge of various software programs, including Word and Excel, required for valuation and budget review functions, as well as crop inspection reporting.

Other Skills and Abilities

• Social and interactive skills, plus ability to be self-motivated and organized.
• Must be able to schedule accounts, complete the inspections and complete the required reporting within the timeframe agreed upon by management.
• Agricultural field/crop inspection and equipment valuation experience, plus budget preparation and analysis experience.
• Ability to travel is required as farm inspections will take place throughout California.
• The incumbent is required to spend approximately 10-20% of the time driving.

Physical Demands

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the associate is regularly required to talk or hear. The associate is frequently required to stand; walk; sit; and use hands and fingers to handle or feel. The associate is occasionally required to reach with hands and arms, and stoop, kneel, crouch or crawl. The associate is regularly required to operate a computer keyboard, mouse, calculator and telephone and reach with hands and arms. The associate must occasionally lift and/or move up to ten (10) pounds.

Work Environment

The work environment is usually moderate, however, as agricultural field inspections are performed outdoors, the working conditions are regularly subject to relative weather conditions.

Salary Range: $87,612.00 To $124,846.00 Annually

Exact compensation may vary based on skills, experience and/or education, and location. This position is also eligible for an annual bonus.