VP, Loan Officer

Do you excel at building strong relationships and guiding customers through important financial decisions?

Are you motivated by the opportunity to support agriculture, strengthen rural communities, and help producers reach their goals?

If so, we invite you to apply! We are seeking a VP, Loan Officer to support our mission of serving the agricultural community through sound credit administration, exceptional customer service, and strong portfolio management. This senior‑level role combines business development, complex credit analysis, leadership support, and team mentorship.

As a VP, Loan Officer, you will manage and grow a diverse loan portfolio, develop deep customer relationships, and serve as a key resource for newer loan officers and credit support staff.

Our team at Golden State Farm Credit is united in our efforts to support rural communities and the agricultural industry. We offer a distinct work environment that fosters collaboration amongst teams, promotes a customer‑centric approach to service, rewards those who take initiative, and provides a variety of projects to create an engaging work culture. We value teamwork, continuous learning, and the positive impact that our dedicated employees make.

The Association reserves the right to hire a qualified candidate from the VP, Loan Officer classification instead of the Loan Officer or Senior Loan Officer classification, depending on applicant experience and organizational needs.

Salary Range: $97,454 – $151,095

In addition to salary, the Association has a team based incentive program that provides an opportunity for up to 15% payout of base salary based upon Association performance.

The VP, Loan Officer position manages, maintains, and grows an assigned portfolio through building relationships, managing credit, servicing loans, and ensuring proper loan documentation to be consistent with Association policies. VP, Loan Officers provide backup to the VP, Relationship Manager Team Lead and training to newer loan officers or credit support staff. Loan Officer levels are differentiated by difference in education, experience, loan portfolio size, number of loans, delegated lending authority, experience, credit ability and additional responsibilities.

• Maintains a professional presence and develops a network to the constituency the Association serves, Farm Credit system, financial institutions, and regulators
• Represents and promotes the Association at outside meetings and events
• Generating sales leads to develop sound business relationships and produce new business
• Educates customers on services and products offered by the Association
• Represents the Association at industry meeting and community functions to stay current on market conditions and regulations

• Meets with, collects, and enters data from customers and potential customers into internal software
• Analyzes financial data and makes recommendations for loan structure, terms, and conditions
• Negotiates loan structure and pricing for recommendation to customers and/or Loan Committee
• Responds and provides direction to internal Team questions
• Recommends approvals, modifications, or denials of credit requests
• Has authority to sign documents for loan officers within the branch in the absence of the Team Lead
• Collaborates with Team Lead and CLO to discuss options available for customers
• Orders and reviews appraisals
• Opening and ordering preliminary reports from a Title Company, along with the ability to analyze title searches
• Verifies proper documentation are filed
• Verifies financial documentation and closing conditions
• Communicates credit decision and completes required steps for closing
• Contacts external parties to finalize details for loan closing
• Identifies at-risk loans and determines a plan of action to resolve deficiencies
• Provides credit expertise on Association committees and special projects
• Participates in the ongoing design of processes to provide exceptional service, achieve satisfactory credit administration goals, and result in achievement of targeted credit quality with adequate compensation for risk
• Services…