We are seeking a Consumer Ag Loan Officer to join our team!
At AgGeorgia Farm Credit, we strive to build an inclusive team of employees and leverage our unique strengths. Become a part of our team today and grow with us! AgGeorgia Farm Credit prides itself to be a caring, family-oriented culture that promotes a positive work environment. If you are a highly motivated individual looking to serve the community you work in, check us out! The Consumer Ag Loan Officer will work with us in Perry, GA.
The Consumer Ag Loan Officer serves current and prospective customers with sound agricultural credit according to Association policies and procedures. Build business development strategies, develop customer relationships, and provide loan servicing for existing portfolios.
What you will do in this role:
- Proactively call and follow up with agricultural loan prospects and facilitate the sales process utilizing financial knowledge and sales tools.
- Expand existing relationships by proactively researching customer needs, uses discretion and independent judgment in understanding customer needs, and matching products and services to those needs.
- Pursue cross-selling opportunities with existing members.
- Documents all sales activities in Association’s Customer Relationship Management tool.
- Handles consumer loan requests and loan relationships < $250,000.
- Attend industry, community, and business development events to build a significant professional presence in the territory.
- Responsible for building professional relationships with influencers, realtors, community leaders, customers and prospective customers based on mutual trust and respect.
- Makes calls outside the office if necessary for growth and servicing of the relationship.
- Interview applicants, gathers and reconciles complete, accurate credit and financial data using the five credit factors under the guidelines of differential analysis.
- Determine credit risk and makes timely and accurate decisions within delegated authority. Establish and negotiate credit terms.
- Communicates credit decision to loan applicants with a working knowledge of traditional underwriting practices and scorecard lending program.
- Assure sound loans; appropriate documentation and underwriting; appropriate pricing and fees based on risk, terms, and servicing costs; and implementation of business plans in accordance with overall AgGeorgia objectives.
- Participate in various seminars and credit training to maintain and enhance credit skills.
- Ensures compliance with all required disclosures on both consumer and non-consumer loans.
- Handles FSA Guaranteed Loan Application submissions and communication with local FSA office.
- Handles monthly reporting – including, but not limited to, delegation report, watch list report, top 10 risk rating report and delinquency report.
- Monitor specific, individually assigned loans and assures that the loans receive timely and sound servicing.
- Service loans in portfolio to retain high level of credit quality.
- Reviews progress of loans on a periodic basis.
- Monitor and manage delinquent reports and offers counseling to customers to bring accounts current.
- Monitor and manage the implementation and fulfilment of Loan Supervisory Plans.
- Service loans, loan renewals, conversions, partial releases, rate modifications, etc.
- Provides updates on loans in process to other team members as requested.
- Other duties as assigned.
What you will need in this role:
- Education and/or experience equivalent to a bachelor’s degree.
- 1-3 years of relevant work experience.
- Ability to effectively communicate and work independently or with a team.
- Travel as required to meet with customers.
- Current awareness of economic developments and production technology affecting agriculture in the region.
Benefits
- Comprehensive medical coverage and additional options for dental and vision benefits. We also offer flexible spending and health savings accounts.
- 401(k) Plan with a 100% match up to 6% of pay, with an automatic company contribution.
- Tuition reimbursement program.
- Generous annual leave and sick leave benefits.
- Company paid holidays.
We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.