Area/Country Servicing Specialist

Description

Job Summary: The Senior Agricultural Credit Analyst will assess and manage credit risk across the financing portfolio, designing structured financial solutions to support commercial growth. Key Highlights: 1. Evaluate and structure complex agricultural credit facilities 2. Analyze the sector and mitigate credit risks 3. Promote digital transformation within the department **Requisition ID:** 4842 **Job Location:** Buenos Aires \- Argentina **Category:** Financial Services **Job Type:** Full Time **\#body.unify div.unify\-button\-container .unify\-apply\-now:** focus, \#body.unify div.unify\-button\-container .unify\-apply\-\#body.unify div.unify\-button\-container .unify\-apply\-now: focus, \#body.unify div.unify\-button\-container .unify\-apply\-applying with LinkedIn About Us Innovation. Sustainability. Productivity. This is how we are Breaking New Ground in our mission to sustainably advance the noble work of farmers and builders everywhere. With a growing global population and increased demands on resources, our products are instrumental to feeding and sheltering the world. From developing products that run on alternative power to productivity\-enhancing precision tech, we are delivering solutions that benefit people – and they are possible thanks to people like you. If the opportunity to build your skills as part of a collaborative, global team excites you, you’re in the right place. Grow a Career. Build a Future! Be part of this company at the forefront of agriculture and construction, that passionately innovates to drive customer efficiency and success. And we know innovation can’t happen without collaboration. So, everything we do at CNH Industrial is about reaching new heights as one team, always delivering for the good of our customers. Job Purpose The Senior Agricultural Credit Analyst will be responsible for assessing, mitigating, and managing credit risk associated with the financing portfolio. This role requires deep knowledge of agribusiness dynamics, production cycles (livestock and crop), commodity markets, and dealer networks. The position ensures the design of structured financial solutions that drive commercial growth while maintaining strict risk control, regulatory compliance, and portfolio quality. The role plays a strategic part in translating complex sector data into sound financial decisions and communicating risk assessments fluently. Key Responsibilities **Credit Evaluation and Structuring:** Evaluate and analyze complex credit applications from agricultural producers, contractors, and strategic clients. Structure financing proposals aligned with cash flows and harvest cycles. **Financial and Sector Analysis:** Conduct rigorous financial analysis, including cash flow projections, debt service capacity, and balance sheet assessments. Monitor macroeconomic variables, agricultural policies, climate impacts, and international grain price volatility to anticipate portfolio risks. **Risk Mitigation and Decision Making:** Identify, quantify, and mitigate credit risks by recommending appropriate guarantee structures. Prepare and present detailed reports to the Credit Committee, with clear, data-driven recommendations. **Portfolio Monitoring and Early Warning Systems:** Conduct periodic reviews of active credit lines and monitor the financial health of key accounts. Manage early warning indicators to detect signs of deterioration in the agricultural portfolio and implement proactive action plans. **Dealer Network Relationship Management:** Collaborate with the commercial team and dealer network to streamline the credit process without compromising risk policies. Serve as the technical point of contact for resolving complex queries regarding credit structuring. **Process Optimization and Digital Transformation:** Participate in or lead initiatives aimed at automating credit workflows, optimizing Cash Flow analysis tools, and enhancing internal scoring models. Experience Required **Professional Experience:** Minimum 5 years of experience in credit risk analysis, corporate banking, or structured finance, with at least 3 years exclusively dedicated to the agricultural or agribusiness sector. **Sector Specialization:** Solid understanding of agribusiness market dynamics, including fine and coarse harvest cycles, producer liquidity, grain barter operations, and agricultural machinery financing. **Financial Competence:** Advanced proficiency in interpreting financial statements, corporate finance, cash flow modeling, and credit risk assessment methodologies. **Tools and Systems:** Proven experience using robust management systems (ERP/Core Banking such as SAP, IBM platforms, or other management systems) and advanced Excel skills for financial modeling. Power BI. Preferred Qualifications **Education:** University degree in Business Administration, Finance, Economics, Agricultural Engineering, Agricultural Economics, or related fields. A Master’s degree or specialization in Finance or Agribusiness is highly valued. **Languages:** Advanced intermediate English (spoken and written) is an absolute requirement. Full fluency is required to draft risk reports, negotiate, and present complex cases to regional executives or global committees. **Analytical and Soft Skills:** Strong analytical ability, attention to detail, and strategic vision. Excellent communication and negotiation skills to balance commercial needs against the company’s risk limits. **Leadership and Teamwork:** Demonstrated ability to mentor other analysts, manage high-pressure situations (e.g., system operational contingencies or demand spikes), and promote digital transformation initiatives within the credit department. What We Offer We offer dynamic career opportunities across an international landscape. As an equal opportunity employer, we are committed to delivering value for all our employees and fostering a culture of respect. At CNH, we understand that the best solutions come from the diverse experiences and skills of our people. Here, you will be empowered to grow your career, to follow your passion, and help build a better future. To support our employees, we offer regional comprehensive benefits, including: Flexible work arrangements Savings \& Retirement benefits Tuition reimbursement Parental leave Adoption assistance Fertility \& Family building support Employee Assistance Programs Charitable contribution matching and Volunteer Time Off **\#body.unify div.unify\-button\-container .unify\-apply\-now:** focus, \#body.unify div.unify\-button\-container .unify\-apply\-\#body.unify div.unify\-button\-container .unify\-apply\-now: focus, \#body.unify div.unify\-button\-container .unify\-apply\-applying with LinkedIn