Loan Officer

We are seeking a Loan Officer to join our Farm Credit family! This position serves current and prospective customers with sound agricultural credit according to Association policies and procedures. The Loan Officer builds business development strategies, develops customer relationships, and provides loan servicing for their existing portfolio. They operate within delegated lending authority. This position will serve Avery County and Watauga County.

Responsibilities:

Sales, Business Development & Marketing: Develop new business by actively pursuing new individual and business customers and by becoming a visible and involved member of the community. 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.
Loan Servicing: Monitor specific, individually assigned loans, and assures that the loans receive timely and sound servicing. Call on loan customers to evaluate management, inspect collateral and detect signs of potential financial problems.
Credit Administration: Interview applicants, gather and reconcile complete, accurate credit and financial data using the five credit factors under the guidelines of differential analysis. 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 AgSouth objectives.


Requirements:

Education and/or experience equivalent to a Bachelor's degree
2-5 years of lending experience preferred
Ability to communicate effectively with all levels of the organization
Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the borrower and the Association
Ability to travel within the assigned territory and occasional travel across the association
Ability to work independently and as a team member under minimal supervision
Excellent computer skills
Focus on problem solving skills with solutions-driven results
Current awareness of economic developments and production technology affecting agriculture in the region


Other Details:
AgSouth is an Equal Opportunity Employer, including veterans and individuals with disabilities.