Consumer Lending Officer

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AgCountry Farm Credit Services (AgCountry), Farm Credit Services of America (FCSAmerica) and Frontier Farm Credit are financial cooperatives that operate under shared management across eight states. While each association is owned by its local farmers and ranchers, they collaborate by pooling resources, expertise, and talent to provide affordable credit, crop insurance, and financial services.
Our associations are united by a common mission and commitment to serving rural America and supporting each other, which drives the success of the farmers, ranchers, and agribusiness we serve. We take pride in being a great place to work, and this enthusiasm is reflected in the relationships our team members foster with one another and with our customers.

We are seeking a Consumer Lending Officer specializing in purchase, refinance, constructionloansand all consumer loans for our organization.

Responsible formarketingthe consumer lending product and building strong working relationships withindustrycontacts. Provide knowledge of the consumer marketplace, available products,and financing available to present options that best meeta customer’s current and future needs.

You willberesponsiblefororiginating credit to customers by assessing the request and obtaining business and financial information needed todeterminethe viability and profitability of the deal. You willleadthecustomer relationship and oftencoordinatewith others to serve the customer’sneeds.

Sales and Relationship Management:
Develop and maintain a professional presence and use effective sales and relational strategies to increase the Associations’ consumer market share in the assigned territory. This includes:

• Engagement in marketing and promotional activities throughout the assigned territory to support sales goals; maintain professional relationships with appropriate industry groups, home mortgage professionals and organizations.
• Determine and define the appropriate customer interaction and coordinate the appropriate support of resources that may directly or indirectly provide service to the applicant(s). Effectively communicate with the applicant(s) and appropriate team members regarding the request.
• Introduce applicant(s) to teammate(s) who will support the process.
• Actively engage with team members including daily processing and servicing of credit and participating in training, development and relationship building activities.

Deliver Sound Credit:
In support of originating credit requests, the officer will:

• Gather and document customer financial information and application details, in compliance with consumer lending requirements and in coordination with appropriate team members.
• Assist customers in preparing accurate financial information needed.
• Interpret and evaluate financial information and ask probing questions to determine the appropriate product or service needs of the applicant(s).
• Recommend loan terms, conditions, collateral position consistent with the request and associated loan risks and set clear expectations with the applicant(s).
• Communicate credit decisions, loan terms and conditions to the customer; resell deal as needed if terms change.
• Coach and counsel customers to meet future financial goals.

Service Portfolio:
Provide the following on-going service and support:

• Provide oversight and monitoring of construction projects; coach and counsel when cost overruns apply.
• Review property inspections according to procedures.

• Day travel - 50%
• Overnight travel - 15%

• Bachelor's degree, Real Estate, Business, Finance or Economicsor related field is preferred.

• 2+years of experience in Real Estate, Business, or Finance.

For qualifying positions, we provide a competitive benefits package designed to support health and well-being, financial security, and work-life balance:

• Retirement Plans
  : 401(k)
• Paid Time Off
  :
  Vacation, sick leave, paid holidays, and parental leave
• Additional Benefits
  :
  Life and disability insurance, Employee Assistance Program (EAP), wellness programs, tuition assistance, and…