Loan Officer (Senior to VP)

AgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners and crop insurance customers in a seven-state territory in the Western United States. AgWest is part of the 100 year-old Farm Credit System - the leading provider of credit to American agriculture.

AgWest champions the growth and advancement of agriculture, the value of rural communities, and the vital contribution our customers make to the economy and society. We serve customers in 59 locations throughout the West.

We are in search of a Loan Officer (Senior to VP) to join our Lending department in Bakersfield, California. This full-time position reports to the Senior Vice President-Credit Lending and provides analysis and guidance on loans of various size and complexity to member borrowers.

This position is eligible for a hybrid work schedule and one-time home office stipend after initial training period.

Compensation Information

The base salary for this position is:

Senior: $69,000 - $105,000, depending on experience.

AVP: $85,000 - $125,000, depending on experience.

VP: $110,000 - $160,000, depending on experience.

Position is eligible for an annual incentive program in addition to the base compensation.

Job Requirements

• Evaluate and analyze commercial and real estate loan applications and recommend loan approvals and denials.
• Responsible for exercising credit risk assessment and management on loans within area of responsibility.
• Conduct/complete complex credit analysis.
• Establish loan structure and terms, conditions and covenants, and collateral requirements consistent with the credit request and associated risks. Sets clear expectations with the customer.
• Assists senior-level credit officers with complex loan applications as necessary.
• Develop and maintain a significant professional presence throughout the assigned territory.
• Material participation in business development activities, originates new loans, pursue new credit relationships, and maintain/expand existing customer relations.

Minimum Requirements

• Generally, requires a bachelor's degree in Agribusiness, Business, Accounting, Economics, or related field with three or more years of relevant work experience. Relevant experience may be substituted for education.
• Broad knowledge of credit financing alternatives and the ability to analyze all components on standard and complex credits.
• Strong computer skills and experience with Microsoft Office suites.
• Ability to travel to perform certain required duties.

Preferred Requirements

• Agricultural lending experience preferred.
• Strong decision-making skills as well as strong interpersonal, communication, customer service and team skills.
• Effective problem-solving skills as well as effective negotiating, influencing, and marketing skills.

Benefits Offered by AgWest

• Medical, dental, and vision insurance
• Basic term life and AD&D insurance (fully paid for by the company)
• Paid days off annually: 15 vacation*, 15 sick, 11 holidays and 3 volunteer
• 401(k) plan (6% match plus 3% employer contribution)
• Employee Assistance Program
• Wellness Program
• Jeans are welcome at work every day at AgWest!

*Vacation accrual rates increase with tenure.

Details about insurance and retirement benefits are available at:

#LI-Hybrid

Qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender orientation, national origin, marital status, age, disability, protected veteran status, or any other classification protected by law.