Loan Officer

2 weeks ago

Saint Joseph, United States FCS Financial Full time
Job DescriptionJob Description

Description/Job Summary

At FCS Financial, part of the nationwide Farm Credit System, we are looking for a full-time Loan Officer to join our Team in our St. Joseph Branch FCS Financial is a member of the largest agriculture lending cooperative in the United States today. FCS is dedicated to supporting agriculture and rural communities in Missouri

At FCS, we seek individuals who share a passion in assisting your local agriculture community and want an opportunity to grow and work with great people We are seeking an independent, competitive, highly motivated individual looking to build relationships with new and existing customers Don't miss out on this opportunity to take your lending career to the next level, apply now FCS will help provide the tools and resources needed to learn

This Loan Officer position develops and maintains a portfolio of agricultural loans. This person must maintain and service a current portfolio along with creating new loans. Knowledge of farm and agribusiness financials and current agricultural lending practices within the financial services industry is a plus

This position's market territory is in St. Joseph, Missouri.

This position is classified as Exempt under the Fair Labor Standards Act.

This position is open until filled.

Department: Marketplace

Reports to: Vice President, Team Leader, Traditional/PT Farmers

Supervises: None

Responsibilities/Duties

Job Functions*

Percentage

Job Functions

60%

Loan Origination/Portfolio Management

  • Meets with current customers and prospects to gather, update, and review financial and scope of operation information to determine eligibility
  • Completes the Farm Credit Services (FCS) application process in order to submit to the credit department
  • Analyzes credit for new actions and servicing actions
  • Verifies financial documentation and closing conditions
  • Determines product pricing
  • Communicates credit decision and completes required steps for closing
  • Determines location for loan closing and coordinates schedules to ensure loan closing time and location meets customer needs
  • Services loans, including partial releases, collateral substitutions, changes in payment and maturity dates, extensions and conversions
  • Identifies at-risk loans and determines a plan of action to resolve deficiencies
25%

Marketing and Sales

  • Represents and promotes FCS Financial at agricultural organization meetings and events
  • Attends auctions and sale barns to promote FCS services and products
  • Determines appropriate sales approach for potential or current customers
  • Determines potential business opportunities through relationship building activities including targeted sales calls and onsite visits.
  • Review financial information for cross-sale opportunities
  • Determines proper allocation of marketing budget dollars
  • Contacts internal resources (credit, appraisal, crop insurance, customer service) to coordinate activities ensure customer needs are met
  • Contacts external resources (FSA, title companies, surveyors, legal counsel, appraisers, CPA's) to coordinate activities and ensure customer needs are met

10%


Chattel and Collateral Valuations

  • Performs Chattel (cattle, crops, machinery) and Collateral valuations (real estate)
  • Determines value using external resources such as websites, local grain market, livestock facilities, and the internal appraisal manual for real estate

5%

Training

  • Attends loan officer development training courses as application and/or assigned

n/a

Other duties as assigned to meet the needs of the organization.



Scope of Responsibilities:

Responsibility

Measure

Portfolio Size

Up to $60M


Required Skills

Minimum Qualifications

  • Bachelor's degree in agriculture, business or a related field
  • Or an equivalent combination of education and experience sufficient to perform the essential functions of the job


Required Knowledge and Skills

  • General knowledge of the sales process
  • General knowledge of negotiating tactics
  • General knowledge of marketing strategies
  • General knowledge of financial services industry
  • General knowledge of the agricultural industry
  • General knowledge of basic accounting principles
  • Skill in negotiating agreements to achieve the best outcome for the organization
  • Skill in using Microsoft technologies including Outlook, Word and Excel
  • Skill in listening and conveying awareness of a customer's problem or issue to find resolution
  • Oral and written communication skills sufficient to discuss a variety of job-related topics, and to effectively communicate complex topics to a variety of audiences
  • Ability to learn and retain Association policies and procedures, and the ability to adapt to new policies and procedures quickly.
  • Responsible to appropriately protect the confidentiality, security, and integrity of the Association's systems and data and clients' data

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