First South Farm Credit · 4 hours ago
Senior Loan Officer-4395
Starkville, MS
Full-time
Onsite
Mid, Senior Level
3+ years expFirst South Farm Credit is a financial institution that provides agricultural credit to its members. They are seeking a Senior Loan Officer to serve current and prospective members by offering sound agricultural credit and promoting related services, while also managing existing loans and potentially training less experienced loan officers.
AgricultureFinancial ServicesLending
Responsibilities
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 renegotiates 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 informed 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 services and properly handles financial service accounts
Qualification
Required
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 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
Deals with new applicants and repeat borrowers to include moderately complex loans and treatments
Company
First South Farm Credit
First South Farm Credit has been financing rural America and bring more than a century of financial expertise to customers just like you.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Rus Harper
Senior Vice President, Chief Credit Officer
Frank Loftis
Chief Lending Officer
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