Commercial Officer jobs in Louisville, KY

About Our Opportunity

The Credit Officer is a member of the credit team supporting the Commercial Agriculture initiative of Farm Credit Mid-America. They are primarily responsible for approving and recommending credit actions, analyzing loan applications, supporting the VP Agricultural Lending on customer calls and in preparing credit packages for customers in an identified industry. The financial needs of our Commercial Agriculture customers are typically complex and may include credit needs in excess of $5 million.

How You Will Spend Your Time

• Developing and maintaining a significant professional presence in an assigned industry.
• Accompanying the VP Agricultural Lending on visits with influencers and current or prospective customers.
• Building a mutually trusting and respectful relationship with the VP Agricultural Lending and customers that reflects expertise and value by understanding their goals, credit strengths and weaknesses and deliver constructive agricultural and financial information that will assist them in their business.
• Working with the VP Agricultural Lending to negotiate the loan that is best for the customer and Farm Credit Mid-America.
• Analyzing loans originated by the VP Agricultural Lending and providing prompt turnaround on loan processing.
• Approving loans within delegated authority or recommending approval of sound decisions involving loan structure, terms, pricing, documentation, monitoring and conditions.
• Providing ongoing credit analysis to identify loans that expose the Association to risk.
• Building expertise in areas of agriculture, credit, finance, technology and the needs of the assigned industry.
• Maintaining a working knowledge of specialized government programs and utilizing the programs as necessary in the administration of credit.
• Maintaining sound loan quality and credit administration.
• Recommending, implementing, and administering regulations, policies and procedures in relation to credit and operation objectives.
• Serving as a resource to the Commercial Agriculture team in preparation and review of financial information for complex loans and leases.
• Serving as a credit resource and coaching others in credit.

Minimum Education & Experience

Bachelor's degree in business, agriculture or related field and experience in agricultural credit analysis.

Mental & Physical Requirements

While engaged in this position, team members will routinely sit, use hands for tasks, and communicate orally. Standing or walking is frequently required, while occasional demands include reaching with hands and arms, and lifting or moving up to ten pounds. Vision requirements encompass close and distance vision. The work environment typically has a moderate noise level. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem-solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid driver's license, and the ability to drive a long-distance. Reasonable accommodations will be considered for individuals as requested.