Credit Officer Retail Credit Underwriting

4 weeks ago

Louisville, United States The Judge Group Full time

Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences.

Farm Credit Mid-America is a great place to work We have been named as a Best Places to Work in Kentucky for the past 12 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do.

SCHEDULE: Full Time
TRAVEL REQUIRED: 0% - 10%

COMPENSATION: $57,361.00 to $150,980.00 base salary plus potential for variable compensation. Base pay is determined by your skills, qualifications, experience, and location. Farm Credit Mid-America/Rural 1st may compensate outside of the salary range for bona fide reasons not related to membership in a protected class.

About Our Opportunity

The Credit Officer serves the Associations Retail Agriculture (Retail Ag) initiative. They are primarily responsible for approving and recommending credit actions, analyzing loan applications, and working with Retail Ag representatives to meet the financial needs of our customers. The financial needs of Retail Ag customers, which include both part-time and full-time farmers, are typically less than $5 million.

How You Will Spend Your Time

  • Works in conjunction with sales staff to understand customer goals, financial information, credit strengths and weaknesses, and deliver "value added" constructive lending that will assist our customers and prospective customers. Explain loan decisions to sales staff in a way that they can effectively communicate and serve the customer.
  • Operating in an ongoing consultative relationship with our customers, the Credit Officer delivers sound analysis and decisions in alignment with the Associations desired goals and risk profile.
  • Analyzing loans originated by Retail sales staff and providing prompt turnaround on loan decisions.
  • Approving loans within delegated authority or recommending approval of sound decisions involving loan structure, terms, and conditions. Delegated authority amounts are assigned based on skill set and range from $150,000 to $4,000,000.
  • Performing ongoing credit analysis to identify trends that may lead to increased risk for the Association.
  • Building expertise in areas of agriculture, credit, finance, technology, and other needs of the marketplace.
  • Maintaining a working knowledge of specialized government programs and utilizing the programs as necessary in the administration of credit.
  • Maintaining sound loan quality and credit administration.
  • Serving as a credit resource and coaching others in credit.
  • Facilitate and participate in cross-training sessions to enhance credit knowledge in teams outside of the Credit department. May involve speaking in front of a crowd


Minimum Education & Experience

Bachelors degree in agriculture, business or related field. 1 year experience in Credit Analysis.

Mental & Physical Requirements

While engaged in this position, team members will routinely sit, use hands for tasks, and communicate orally. Standing or walking is frequently required, while occasional demands include reaching with hands and arms, and lifting or moving up to ten pounds. Vision requirements encompass close and distance vision. The work environment typically has a moderate noise level. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem-solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid drivers license, and the ability to drive a long-distance. Reasonable accommodations will be considered for individuals as requested.

Farm Credit Mid-America provides a competitive total rewards package to our team members. This includes an award winning 401(k) Plan. Our Health and Financial wellness benefits provide safety, security and peace of mind for you and your family. Here is a highlight of our Total Rewards and Benefits.

Farm Credit Mid-America is an equal opportunity employer, and all applicants will receive consideration for employments without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other category protected by law.

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Nearest Major Market: Louisville

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