Generally responsible for assisting in taking and analyzing loan applications
Assisting applicants in completing loan applications and budgets
Servicing small routine commercial and/or real estate loans by frequent contact with customers
Actively pursuing new business through organized marketing and business development programs
May be responsible for management of existing designated loan portfolio; renewal operating loans and term loans
Interview loan applicants, preparing loan applications, financial statements and budgets
Prepare spreadsheets of financial statements, e.g., balance sheets and income statements
Input all required data into the loan origination and loan processing systems
Review all pertinent credit and financial information; determine the need for more thorough investigation or additional information; analyze information statement and related material; prepare summaries, present facts, and offer opinions concerning credit-worthiness
Assist with analyzing loan applications and supporting documents
Recommend approval or denial of loans, or approve/deny loans within lending authority
Assist with determining and reviewing legal documentation
Verify financial statements, review credit reports, and collect relevant data
Communicate Association credit philosophy and stock requirements to customer
Prepare loan servicing actions and follow-up on assigned loan portfolio
Interact with title companies
Monitor loan process
Provide backup to loan officers on customer service issues and respond independently to requests for information and assistance
Communicate and promote the availability of loan products and other financially related services
Conduct collateral inspections
Processes FSA denials
Represent the Association at public functions
Perform other duties assigned
Requirements
BA/BS degree with emphasis on agribusiness, business administration, or equivalent
Six months to one-year experience as a trainee or equivalent
Knowledge of agriculture and/or agribusiness
Must be proficient in organizing and prioritizing work to meet deadlines
Demonstrated analytical and statistical skills to evaluate, prioritize and categorize data in various formats for reports
Skills in credit and cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis
Strong written and verbal communication skills
Strong interpersonal skills
Proficient in use of PC, including word-processing, e-mail and electronic spreadsheet software
Benefits
Commitment to agriculture and the communities we serve
Family friendly work environment
Investment in employee development
Medical, Dental and Vision coverage
Outstanding 401k – automatic 3% employer contribution, plus match up to 6%
Generous Paid Time Off (Vacation accrued at 21 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time)
Competitive Incentive Compensation Plan
Disability & Life Insurance
Employee mental, physical, and financial wellness programs