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Farm Credit East, ACA · 1 month ago

Credit Representative

Auburn, ME

Full-time

Hybrid

Mid Level

$55K/yr - $95K/yr

Farm Credit East (FCE) is the leading provider of loans and farm advisory services to agricultural business owners across the northeast. As a Credit Representative, you will make loans to farm customers, manage customer relationships, and cross-sell additional products and services to help clients succeed in their enterprises.

AgricultureBankingFinancial ServicesLendingRetail

Responsibilities

Manages the day-to-day customer relationships of credits within your respective customer segment (Retail)

Proactive portfolio management by understanding and analyzing industry trends, market data, and customer knowledge leading to a consultative lending approach

Positions a team approach serving as the lead for all customer facing activities with support from loan coordinator and financial services

Creates and maintains a documented 360-degree view of the customer, in the core application, to maximize the customer experience

Work collaboratively with teammates to generate cross-selling results and a best-in-class customer experience through a cohesive and holistic approach

Provides functional guidance to credit analysts, loan documentation specialists and other roles to ensure customer’s requirements are met while conforming to credit policy and requirements

Monitors borrowers within assigned loan portfolio to document compliance with terms and conditions, covenants, inspections, credit quality, and risk assessment to ensure a safe and sound portfolio

Meets with existing and prospective customers to review financials, propose loan structure, evaluate pricing options and address short-term and long-term objectives of the borrower

Achieve growth targets by performing business development activities that expand existing customer relationships and bring new customers to the Association

Seeks and vets both traditional and non-traditional opportunities, ranging from the farm to the agri-business along with all participants of the ag value chain who are credit worthy and eligible

Prioritizes high value add interactions with customers day in and day out through active relationships and sound customer understanding

Promotes the FCE brand in their region

Builds and nurtures Centers of Influence (community presence, network, and external partners) to generate new referrals

Utilizes the 360-degree view of the customer to drive cross-selling opportunities – identify, collaborate, generate, or act upon, internal referrals to or from other segments of Farm Credit East

Develops expertise and working knowledge within Ag segments, serving as a Trusted Advisor

Embraces the transformation of the Association through adoption and utilization of new processes, procedures, and digital tools with the intent to deliver a high-level customer experience

Qualification

Bachelor's degreeFinancial analysisAgricultureCredit administrationMarketing skillsAnalytical skillsInterpersonal skillsVerbal communicationWritten communicationTeam-oriented

Required

Bachelor's degree in Economics, Finance, Accounting, Business or a related field

Strong marketing and interpersonal skills

Verbal and written communications skills

Analytical skills

Team oriented

Ability to travel as needed

Preferred

Knowledge of agriculture, finances, credit and credit administration

Benefits

Short-Term Incentive to reward business results

401k match up to 6% of salary; or for those unable to take full advantage of the 401(k) match, verified student loan payments may qualify for an employer match in your 401(k) up to 6% of salary

Defined Contribution retirement plan funded at 2-9% of salary depending on years of service

15-25 days of vacation leave per year, depending on years of service

12 days of holiday leave per year

7.5 days of sick leave in your first year, followed by 12 days of sick leave per year thereafter; unlimited rollover of unused sick leave year to year

Paid Parental Leave: Up to 80 hours of paid leave for birthing, non-birthing, and adoptive parents

Family Care Leave: Additional leave options available under FMLA and company policy

Comprehensive medical, dental, and vision plans, including preventive care and wellness programs to support your overall health and well-being

Health Savings Account

Life insurance at 2x base pay

Accidental Death and Dismemberment insurance at 2x base pay

Long-term disability insurance at 2/3 base pay

Tuition reimbursement

Continuing education and training

Employee Assistance Program offering a wide variety of tools and resources

Company

Farm Credit East, ACA

Farm Credit East provides a full range of credit and financial services to more than 18,000 customers in our eight-state territory: Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, and Vermont.

Founded in 1916