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 reneg otiates 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 se rvices 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.
- PROBLEM SOLVING AND DECISIONMAKING: - Deals with new applicants and repeat borrowers to include moderately complex loans and treatments.
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