Junior Ag Loan Officer

Note:

This position could be based at various Beacon Credit Union offices throughout the state of Indiana so long as there is available office space. This employee will need to have the necessary sales skills and ability required to develop new business after receiving training, with the goal of becoming an Ag Loan Officer with their own loan portfolio. This role is ideal for recent college graduates or those in the early stages of their ag lending career.

To assist members with their Agriculture and Commercial lending needs; analyze loan requests and make credit recommendations based on lending policy. Responsible for analyzing credit and financial reports to determine risk involved in loaning money or extending credit. Junior Ag Loan Officer will have limited lending authority and will assist in working delinquent accounts.

• Performs on-site commercial/farm visits in order to interview member loan applicants to develop information concerning their loan needs, earnings, and financial condition and to review member's relationship with Beacon Credit Union. Participates in sales development activities.
• Performs initial and ongoing credit analysis to determine if members' credit requests satisfy policies and procedure guidelines, and prepares and processes all applicable documentation for credit analysis and risk ratings. Prepares a detailed narrative based on the financial trends and ratios to present in the reports presented to loan committees for loan approval and risk rating score assignment purposes. Makes recommendation to approve, disapprove, or forward the loan request to higher levels for decision.
  
  Assists in establishing the terms and conditions of an approved loan and reviews them with the member.
• Reviews all loan documents for completeness and accuracy. Will also be expected to work with outside individuals such as title companies, appraisers, realtors, etc.
• Keeps informed of current trends in commercial and agricultural lending. Explains loan programs to members, evaluates their needs and recommends loan options.
• Follows current loans to ensure compliance with terms and coordinates with collections as needed.
• Performs other related duties as assigned.

• One to three years of agriculture, sales and/or related credit union experience
• Four-year college degree or equivalent combination of education and experience
• Sales skills and an ability to develop new business after training
• Ability to communicate (both oral and written)
• Ability to foster sound relationships with other entities
• Extremely detail-oriented
• Excellent judgment
• A significant level of trust and diplomacy, in addition to courtesy and tact
• Ability to work with little or no supervision

Standard position hours are Monday through Friday, 8:30 a.m. to 5 p.m.

• - Health, dental and vision insurance
• - Paid time off
• - 401(k) match
• - Incentive/bonus program
• - Tuition reimbursement
• - and more!

At Beacon, you're more than just an employee. You're part of a supportive, values-driven community that truly cares. Whether you're drawn by our strong team culture, opportunities for growth in business and finance, or the chance to make a real difference in members' lives, Beacon offers a career with purpose. Our team loves helping people, solving problems, and building meaningful relationships, all while enjoying great benefits, a healthy work-life balance, and a positive, family-oriented environment.

Join Beacon where people matter and every day is an opportunity to grow, serve, and thrive.