standards and procedures. Promotes related services to all current and prospective members. Services all assigned existing loans within delegated authorities. May train and direct less experienced loan officers.
Responsibilities/Duties
– Develops new business by actively pursuing new individual and business customers and by becoming a visible and involved member of the community.
– Expands existing relationships by proactively researching customer needs and matching bank products and services to those needs.
– Interviews applicants, gathers, analyzes and reconciles complete, accurate credit and financial data using the five credit factors under the guidelines of differential analysis.
– Determines credit risk and makes timely and accurate decisions.
– Establishes and reneg otiates credit terms, when necessary.
– Inspects or appraises collateral as needed or applicable.
– Communicates credit decision to loan applicants.
– Services loans in portfolio to retain high loan level quality.
– Reviews progress of loans on a periodic basis.
– Makes periodic calls on loan customers to evaluate management, inspect collateral and detect signs of potential financial problems.
– Monitors delinquent reports and counsels with customers to bring accounts current.
– Provides guidance to customers seeking solutions to financial problems.
– Follows market trends and developments to increase association’s business in established and developing markets.
– Keeps in formed of competition and their markets, primary products and services, major strengths and limitations, and their basic pricing arrangements.
– Provides information to existing and potential members/borrowers as to available financially related se rvices and properly handles financial service accounts.
Knowledge/Skills/Abilities
– Education and/or experience equivalent to a Bachelor’s degree in Business Administration, Agriculture, Economics or Finance.
– Three+ years or related agricultural lending experience.
– Demonstrated computer proficiency and familiarity with financial databases and spreadsheet applications.
– Excellent computer proficiency and familiarity with financial databases and spreadsheet applications.
– Excellent written and verbal communication skills with ability to employ diplomacy and tact with customers and prospects while articulating the benefits of Farm Credit.
– Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the ACA and the borrower.
– Current awareness of economic developments and production technology affecting agriculture in the region.
– Travel to/from other branch offices, associations, AgFirst or other facilities.
– PROBLEM SOLVING AND DECISION‑MAKING: – Deals with new applicants and repeat borrowers to include moderately complex loans and treatments.