Senior Loan Officer
Company: Farm Credit Council
Location: Greenwood
Posted on: March 17, 2023
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Job Description:
Serves present and prospective members/customers with sound,
productive short, intermediate and long term agricultural credit
according to district policies, standards and procedures. Promotes
related services to all current and prospective members. Services
all assigned existing loans within delegated authorities. May train
and direct less experienced loan officers.
Responsibilities/Duties
- Develops new business by actively pursuing new individual and
business customers and by becoming a visible and involved member of
the community.
- Expands existing relationships by proactively researching
customer needs and matching bank products and services to those
needs.
- Interviews applicants, gathers, analyzes and reconciles complete,
accurate credit and financial data using the five credit factors
under the guidelines of differential analysis.
- Determines credit risk and makes timely and accurate
decisions.
- Establishes and renegotiates credit terms, when necessary.
- Inspects or appraises collateral as needed or applicable.
- Communicates credit decision to loan applicants.
- Services loans in portfolio to retain high loan level
quality.
- Reviews progress of loans on a periodic basis.
- Makes periodic calls on loan customers to evaluate management,
inspect collateral and detect signs of potential financial
problems.
- Monitors delinquent reports and counsels with customers to bring
accounts current.
- Provides guidance to customers seeking solutions to financial
problems.
- Follows market trends and developments to increase association's
business in established and developing markets.
- Keeps in formed of competition and their markets, primary
products and services, major strengths and limitations, and their
basic pricing arrangements.
- Provides information to existing and potential members/borrowers
as to available financially related services and properly handles
financial service accounts.
Knowledge/Skills/Abilities
- Education and/or experience equivalent to a Bachelor's degree in
Business Administration, Agriculture, Economics or Finance.
- Three+ years or related agricultural lending experience.
- Demonstrated computer proficiency and familiarity with financial
databases and spreadsheet applications.
- Excellent computer proficiency and familiarity with financial
databases and spreadsheet applications.
- Excellent written and verbal communication skills with ability to
employ diplomacy and tact with customers and prospects while
articulating the benefits of Farm Credit.
- Ability to be assertive and decisive in arriving at sound
business decisions which serve the best interest of the ACA and the
borrower.
- Current awareness of economic developments and production
technology affecting agriculture in the region.
- Travel to/from other branch offices, associations, AgFirst or
other facilities.
- PRO BLEM SOLVING AND DECISIONMAKING: - Deals with new applicants
and repeat borrowers to include moderately complex loans and
treatments.
Keywords: Farm Credit Council, Jackson , Senior Loan Officer, Accounting, Auditing , Greenwood, Mississippi
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