Consumer Loan Officer I (AgGeorgia Farm Credit - Cordele, GA)

Company: Farm Credit Council
Location: Cordele
Posted on: March 15, 2023

Job Description:

Job description

Primary Function

Serves current and prospective customers with sound agricultural credit according to Association policies and procedures. Build business development strategies, develop customer relationships and provides loan servicing for existing portfolio. Operates within delegated lending authority.

Primary Responsibilities

Sales, Business Development & Marketing

* Proactively call and follow up with agricultural loan prospects and facilitate the sales process utilizing financial knowledge and sales tools.

* Expand existing relationships by proactively researching customer needs, uses discretion and independent judgment in understanding customer needs, and matching products and services to those needs.

* Pursue cross-selling opportunities with existing members.

* Documents all sales activities in Association's Customer Relationship Management tool.

* Handles all walk-in traffic in a branch.

* Handles consumer loan requests and loan relationships

* Attend industry, community and business development events to build a significant professional presence in the territory.

* Responsible for building professional relationships with influencers, realtors, community leaders, customers and prospective customers based on mutual trust and respect.

* Makes calls outside the office if necessary for growth and servicing of the relationship.

Credit Administration

* Interview applicants, gathers and reconciles complete, accurate credit and financial data using the five credit factors under the guidelines of differential analysis.

* Determine credit risk and makes timely and accurate decisions within delegated authority.

* Establish and negotiate credit terms.

* Communicates credit decision to loan applicants with a working knowledge of traditional underwriting practices and scorecard lending program.

* Assure sound loans; appropriate documentation and underwriting; appropriate pricing and fees based on risk, terms, and servicing costs; and implementation of business plans in accordance with overall AgGeorgia objectives.

* Participate in various seminars and credit training to maintain and enhance credit skills.

* Ensures compliance with all required disclosures on both consumer and non-consumer loans.

* Handles FSA Guaranteed Loan Application submissions and communication with local FSA office.

* Handles monthly reporting - including, but not limited to, delegation report, watch list report, top 10 risk rating report and delinquency report.

Loan Servicing

* Maintains an individual portfolio of lending relationships of $250,000 and less.

* Assists Commercial Loan Officer on deals > $250,000.

* Monitor specific, individually assigned loans and assures that the loans receive timely and sound servicing.

* Service loans in portfolio to retain high level of credit quality.

* Reviews progress of loans on a periodic basis.

* Monitor and manage delinquent reports and offers counseling to customers to bring accounts current.

* Monitor and manage the implementation and fulfilment of Loan Supervisory Plans.

* Service loans, loan renewals, conversions, partial releases, rate modifications, etc.

* Provides updates on loans in process to other team members as requested.

Other Duties as Assigned

Other duties and responsibilities as assigned, which may include specific projects.

Knowledge, Skills, and Abilities

Education and/or experience equivalent to a Bachelor's degree

1-3 years related work experience

Ability to communicate (written and verbal) effectively with all levels of the organization

Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the borrower and the Association

Travel via auto to carry out essential responsibilities of the job.

Ability to work independently and as a team member under minimal supervision

Excellent computer skills

Contributes to building and maintaining a positive team atmosphere

Focus on problem solving skills with solutions-driven results

Supports diversity and inclusion

Knowledge of Farm Credit Association policies and procedures

Current awareness of economic developments and production technology affecting agriculture in the region

Benefits Offered

Comprehensive Medical (to include prescription drugs), Dental, & Vision plans for full time employees that encourage health and well being. (Medical benefits offered for employee and eligible dependents)

Health Savings Account (with employer contribution and Health Assessment Incentive), Flexible Spending

Account that offer pre-tax savings for medical and dependent care expenses

Employer provides Financial Security through Long Term Disability plan and Life Insurance (2 times annual income)

Retirement savings 401(k) plan with up to 6% employer match and 3% employer contribution

Optional Plans also available, to include AD&D, Group Life, Dependent Life, Vision and or Group Legal.

Education / Tuition Reimbursement

Generous Accrued Sick leave

Accrued Vacation leave (12 days in 1st year) for full time staff. (Vacation leave accruals increase from 3 years of service)

13 paid Holidays a year

Post Retirement Healthcare (Medical), Dental and Life insurance for those that meet eligibility Retirement age is 55 with 10 years of service

Annual "Bonus" incentive

..
Career Growth

Our organization ensures interesting work and bring opportunities to learn and grow. Training, coaching and reviews cultivate skill development. Promotion opportunities from within give employees chances to excel.

Keywords: Farm Credit Council, Albany , Consumer Loan Officer I (AgGeorgia Farm Credit - Cordele, GA), Other , Cordele, Georgia