Credit Resolutions Officer

Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences.

Farm Credit Mid-America is a great place to work We have been named as a Best Places to Work in Kentucky for the past 11 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do.

SCHEDULE: Full Time
TRAVEL REQUIRED: 25% - 50%

COMPENSATION: $70,615.00 to $150,980.00 base salary plus potential for variable compensation. Base pay is determined by your skills, qualifications, experience, and location. Farm Credit Mid-America/Rural 1st may compensate outside of the salary range for bona fide reasons not related to membership in a protected class.

About Our Opportunity

The Resolutions Officer serves the Association's internal and external customers by managing and servicing assigned accounts that are substandard classified. The primary goal of the role is to assist a borrower in returning to viability, or assist in exiting the lending relationship if viability is not possible. Team members in this role work with customers to evaluate the financial position and facilitiate servicing options on accounts where viability is attainable.

How You Will Spend Your Time

• Plans, organizes and manages the assigned portfolio to understand customer needs, financial information, and strengths and weaknesses.
• Works in conjunction with Retail, Retail Credit, and other business units to become familiar with customer's operation and determine a servicing plan going forward. Assists in joint meetings to be proactive on accounts that may become distressed.
• Manages a multi-million dollar adverse portfolio to resolve accounts and continue servicing objectives set forth in action plans.
• Maintains the quality, efficiency and effectiveness of customer service, credit administration and management of high-risk accounts.
• Oversees administration of Borrower Rights, and works with customers to understand these rights.
• Communicates with customers often to make determinations on what their needs are, while also balancing the Association's interests in maintaining sound credit and acceptable non accrual volume.
• Coaches, coordinates, and delivers group training to advocate for proactivity in servicing high-risk accounts.
• Keeps accounts up-to-date and strives towards a goal of returning accounts to viability / fully acceptable classification, or making a determination about the future lending relationship.
• Documents action steps in the appropriate place and references these notes as requested.
• The RO will build expertise in the areas of agriculture and residential credit, finance, technology, and the various market segments served by FCMA.
• Maintains a working knowledge of the relevance and importance of financial information and documentation.
• Works with customers to help explain their financial situation based upon data collected and analyzed.
• Uses this information to make sound credit decisions within assigned delegated authority, and supports these decisions and analysis in the Loan Servicing Recommendation Worksheet.

Minimum Education & Experience

Bachelor's degree in Agriculture, Business, or a related degree. 4 years successful experience in a credit or resolutions role or in a similar role. Demonstrated ability in effectively working with customers, exhibits sound decision making ability and maintains acceptable credit administration. Competent with routine and moderately complex customers and assisting them with their needs.

Mental & Physical Requirements

Stationary Position - Occasionally; Move/Traverse - Occasionally; Stationary Position/Seated - Constantly; Transport/Lifting - Rarely; Transport/Carrying - Rarely; Exerting Force/Pushing - Rarely; Exerting Force/Pulling - Rarely; Ascend/Descend - Rarely; Balancing - Rarely; Position Self/Stooping - Rarely; Position Self/Kneeling - Rarely; Position Self/Crouching - Rarely; Position Self/Crawling - Rarely; Reaching - Rarely; Handling - Occasionally; Grasping - Occasionally; Feeling - Rarely; Communicate/Talking - Constantly; Communicate/Hearing - Constantly; Repetitive Motions - Frequently; Coordination - Frequently

Farm Credit Mid-America provides a competitive total rewards package to our team members. This includes an award winning 401(k) Plan. Our Health and Financial wellness benefits provide safety, security and peace of mind for you and your family. Here is a highlight of our Total Rewards and Benefits.

Farm Credit Mid-America is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability or any other category protected by law.
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