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Farm Credit Mid-America · 3 days ago

Rural 1st Loan Officer - Lawrenceburg, TN

Lawrenceburg, TN, US, 38464

Full-time

Hybrid

Mid, Senior Level

$60K/yr - $126K/yr

5+ years exp

Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents. They are seeking a Rural 1st Loan Officer responsible for building relationships with customers and originating credit to meet their financial needs.

AgricultureFinancial Services

Comp. & Benefits

Responsibilities

The RLO develops and maintains a significant professional presence that yields sales that increase the Association’s market share in the assigned territory

The RLO spends most of the time out of the office to build professional relationships with customers, prospective customers and influencers based on mutual trust and respect

Using an understanding of customer goals, credit strengths and weaknesses, the RLO delivers 'value added'/constructive financial information to customers

Determines and defines the appropriate customer interaction and coordinates the appropriate staff that may directly or indirectly be a part of the relationship to serve the customer’s loan and servicing needs

Communicates to the customer and to internal team members regarding the customer’s needs

Introduces customers to the Association’s process and the team members who will support the process

Gathers and documents customer financial information and application details, in compliance with lending requirements and in coordination with Rural 1st Loan Associates

Interprets and evaluates financial information and asks relevant follow-up and probing questions to determine the appropriate product or service

Recommends loan terms, conditions, and collateral position consistent with the request and associated loan risks; sets clear expectations with the customer, and documents pertinent customer information in association systems

Communicates credit decisions, loan terms and conditions to the customer

Partners with the Rural 1st Construction team on the disbursement process in home loan construction projects

Partners with Rural 1st teams to complete servicing actions required for individual customer circumstances

Partners with the Customer Care team to monitor the portfolio for timely identification and servicing of loans that expose the association to risk

Using knowledge of servicing options, the RLO effectively negotiates and communicates these options to the customer, and may partner with the Special Accounts team for resolution

Qualification

NMLS registrationSales experienceFinancial analysisCustomer relationship managementAgriculture knowledgeProblem-solving skillsCommunication skills

Required

Existing NMLS registration under the SAFE Act, or the ability to obtain the same upon hire, and maintenance of a status in good standing during employment

Bachelor's degree in Agriculture, Business, or a related field

High School Diploma/GED with at least 5 years of experience in sales, banking, or a financially related role