NICHOLAS JENSON
Parker,CO
Summary
Credit Officer with extensive experience at CoBank, ACB, specializing in credit analysis and risk assessment. History in managing a diverse portfolio and writing complex credit memos. Adept at financial modeling and fostering strong communication with stakeholders to drive successful loan structuring and portfolio management outcomes.
Overview
8
8
years of professional experience
Work History
Credit Officer / Sr. Credit Analyst
CoBank, ACB
Denver, CO
10.2022 - Current
- Work within the Corporate Agribusiness Banking Group at CoBank
- Promoted to Credit Officer in December 2024
- Oversee a portfolio of approximately 25 customers in various agribusiness industries with exposure ranging from $10 million to $300 million
- Write credit actions and requests including annual reviews, risk rating changes, refinance transactions, and new borrower reports
- Monitor risk in existing portfolio through quarterly trend reporting, annual reviews, quarterly High Attention Credit and Highly Leveraged Transaction reporting, and industry analysis, writing over 50 credit memos per year with varying degree of complexity
- Engage in meetings with Relationship Managers, Capital Markets Partners, Legal teams, and other product partners to contribute to the structuring and risk assessment of agented transactions for both new and existing customers. Provide support to Capital Markets by syndicating deals through the Farm Credit System and Commercial Banks, addressing inquiries related to the structure, credit profile, and operations of the customers
- Regularly accompany Relationship Managers and Capital Markets Partners to customer visits, including bank meetings and other engagements, to gain valuable insights into the company, its senior management, and their anticipated future needs
- Serve as a guide to help onboard newer credit associates
Loan Review Specialist
Federal Deposit Insurance Corporation (FDIC)
Denver, CO
08.2021 - 10.2022
- Assessed credit quality, credit management, and adherence to bank loan policies
- Independently evaluated the asset quality at financial institutions including grading or classifying loans made by the institution
- Examined the credit quality of loans by assessing the loan structure, collateral position, and the borrower's ability to service the debt through cash flow analysis
- Discussed and present the overall credit quality of the bank with senior management and the Board
Financial Institution Specialist
Federal Deposit Insurance Corporation (FDIC)
Denver, CO
03.2017 - 08.2021
- Executed financial analysis on institutions ranging from $30 million to $4 billion in total assets
- Evaluated asset/liability, liquidity, and interest-rate risk management
- Analyzed investment securities portfolios including: debt, equity, derivatives, and alternative investments
- Conducted credit analysis to identify adversely classified assets
Education
Bachelor of Business Administration - Banking and Financial Economics
University of North Dakota
Grand Forks, ND12.2016
Skills
- Credit analysis
- Risk assessment
- Financial modeling
- Portfolio management
- Loan structuring
- Industry analysis
- Communication
- Microsoft Office
Timeline
Credit Officer / Sr. Credit Analyst
CoBank, ACB
10.2022 - Current
Loan Review Specialist
Federal Deposit Insurance Corporation (FDIC)
08.2021 - 10.2022
Financial Institution Specialist
Federal Deposit Insurance Corporation (FDIC)
03.2017 - 08.2021
Bachelor of Business Administration - Banking and Financial Economics
University of North Dakota
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