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Consumer Loan Officer I

Company: Farm Credit Council
Location: Washington
Posted on: June 23, 2022

Job Description:

Primary Responsibilities

Details of Role and Primary Responsibilities

Sales, Business Development & Marketing

  • Proactively call and follow up with agricultural loan prospects and facilitate the sales process utilizing financial knowledge and sales tools.
  • 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.
  • Pursue cross-selling opportunities with existing members.
  • Documents all sales activities in Association's Customer Relationship Management tool.
  • Handles all walk-in traffic in a branch.
  • Handles consumer loan requests and loan relationships
  • Attend industry, community and business development events to build a significant professional presence in the territory.
  • Responsible for building professional relationships with influencers, realtors, community leaders, customers and prospective customers based on mutual trust and respect.

  • Credit Administration

    • Interview applicants, gathers and reconciles complete, accurate credit and financial data using the five credit factors under the guidelines of differential analysis.
    • Determine credit risk and makes timely and accurate decisions within delegated authority.
    • Establish and negotiate credit terms.
    • Communicates credit decision to loan applicants with a working knowledge of traditional underwriting practices and scorecard lending program.

      • 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 AgGeorgia objectives.
      • Participate in various seminars and credit training to maintain and enhance credit skills.
      • Ensures compliance with all required disclosures on both consumer and non-consumer loans.
      • Handles FSA Guaranteed Loan Application submissions and communication with local FSA office.
      • Handles monthly reporting - including, but not limited to, delegation report, watch list report, top 10 risk rating report and delinquency report.

        Loan Servicing

        • Maintains an individual portfolio of lending relationships of $250,000 and less.
        • Assists Commercial Loan Officer on deals > $250,000.
        • Monitor specific, individually assigned loans and assures that the loans receive timely and sound servicing.
        • Service loans in portfolio to retain high level of credit quality.
        • Reviews progress of loans on a periodic basis.
        • Monitor and manage delinquent reports and offers counseling to customers to bring accounts current.
        • Monitor and manage the implementation and fulfilment of Loan Supervisory Plans.
        • Service loans, loan renewals, conversions, partial releases, rate modifications, etc.
        • Provides updates on loans in process to other team members as requested.

          Other Duties as Assigned

          Other duties and responsibilities as assigned, which may include specific projects.

          All AgGeorgia employees are expected to maintain a favorable image by promoting Farm Credit in the community and are responsible for complying with the various rules, regulations, policies, procedures, Internal Controls over Financial Reporting (ICFR) and ethical standards governing the financial services industry.

          Knowledge, Skills, and Abilities

          • Education and/or experience equivalent to a Bachelor's degree
          • 1-3 years related work experience
          • Ability to communicate (written and verbal) 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
          • Travel via auto to carry out essential responsibilities of the job.
          • Ability to work independently and as a team member under minimal supervision
          • Excellent computer skills
          • Contributes to building and maintaining a positive team atmosphere
          • Focus on problem solving skills with solutions-driven results
          • Supports diversity and inclusion
          • Knowledge of Farm Credit Association policies and procedures
          • Current awareness of economic developments and production technology affecting agriculture in the region

            Security Roles and Authority

            AgGeorgia employees are required to be both knowledgeable of, and consistently compliant with, all policies and procedures regarding security. These include, but are not limited to, the management of sensitive documents, protecting workspaces/offices, monitoring visitors, safeguarding passwords, and the prudent and secure utilization of the Association's e-mail and social media systems. Employees must also be fully knowledgeable of when and how to report incidents of security breaches or lapses.

            • Delegated Authority as deemed by the Chief Executive Officer
            • Access to Loan Origination and Mainframe System
            • Access to Loan Files

              Manager/Supervisor Responsibility


              Internal/External Contacts

              • Association Employees (including Internal Auditors)
              • Current and Potential Customers
              • AgFirst Farm Credit District Employees
              • External Association Vendors

Keywords: Farm Credit Council, Athens , Consumer Loan Officer I, Other , Washington, Georgia

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