What are the responsibilities and job description for the Credit Officer position at Oklahoma AgCredit?
Summary: The Credit Officer, AVP – Credit and VP - Credit analyze and approve applications for new loans and renewals on existing PCA loans.
Position Responsibilities:
Credit Analysis, Loan Approvals and Renewals
Knowledge and Skills Required:
Oklahoma AgCredit is an Equal Opportunity Employer dedicated to diversity in the workplace and offers a great work environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), national origin, age (40 or older), disability,
Important note: We care about your hiring process and take it seriously. A real person will review your application, meaning response timelines may vary. The interviewing process at Oklahoma AgCredit may include emails, texts, phone calls, and on-site interviews. We cannot personally follow-up with each applicant, and we will do our best to create a professional, respectful, and thorough process for candidates with whom we identify as a potential fit.
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Position Responsibilities:
Credit Analysis, Loan Approvals and Renewals
- Verify a complete borrower packet prior to starting analysis
- Enters and analyze customer financial documents and information utilizing the established software programs
- Review reporting output from scorecard and interprets results (if applicable)
- Analyzes credit to determine borrower’s Probability of Default (PD) and Loss Given Default (LGD) upon receipt of completed appraisal or PPV
- Makes final credit decisions within delegated authority and recommends credit decisions above delegated authority.
- Determine approvals or denials based on Association underwriting standards
- Communicates status updates to Loan Officers throughout the Association
- Determines loan requirements.
- Notifies lending officer of decision.
- Provides information to Loan Processing Team (LPT) and lending officer for the preparation of loan documents
- Gathers information and data
- Runs, compiles, and analyzes monthly and quarterly reports for Executives and/or Board of Directors
- Customer visits as appropriate
- Attend regional marketing events to assist with borrower relations and OAC brand awareness
- Assist regional marketplace with patronage events
- Attends internal and external training meetings and conferences.
- Assist with mentoring and training team members or interns
- Review all credit related policies and procedures in PolicyTech
- Bachelor’s degree in agribusiness, agricultural economics, finance, business, accounting, or related field
- Credit Officer – 1 year of related experience in agriculture or a financial service role
- AVP – Credit – 3 years of related experience in agriculture or a related financial services role
- VP – Credit – 7 years of related experience in agriculture or a related financial services role
Knowledge and Skills Required:
- General knowledge of accounting, credit and economic principles, practices, and methods
- General knowledge of credit and economic principles
- Knowledge of Word/Excel/ Outlook sufficient to create, update and save basic documents
- Skill in reading and understanding income statements, balance sheets, tax returns and other financial reports
- Skill in applying processes and procedures to factual data to make a logical decision.
- Skill in analyzing information to formulate logical and objective conclusions
- Oral and written communication skills, sufficient to exchange information effectively with peers, supervisor, and customers
- Skill in interacting and working effectively with others
- Oral and written communication skills sufficient to discuss a variety of job-related topics, and to effectively communicate complex topics to a variety of audiences
Oklahoma AgCredit is an Equal Opportunity Employer dedicated to diversity in the workplace and offers a great work environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), national origin, age (40 or older), disability,
Important note: We care about your hiring process and take it seriously. A real person will review your application, meaning response timelines may vary. The interviewing process at Oklahoma AgCredit may include emails, texts, phone calls, and on-site interviews. We cannot personally follow-up with each applicant, and we will do our best to create a professional, respectful, and thorough process for candidates with whom we identify as a potential fit.
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