Commercial Loan Officer

AgGeorgia Farm Credit • Waynesboro, GA

6d

About The Position

We are seeking a Loan Officer to join our team!
At AgGeorgia Farm Credit, we strive to build an inclusive team of employees and leverage our unique strengths. Become a part of our team today and grow with us! AgGeorgia Farm Credit prides itself to be a caring, family-oriented culture that promotes a positive work environment. If you are a highly motivated individual looking to serve the community you work in, check us out! The Loan Officer will work with us in Waynesboro, GA.
The Loan Officer serves current and prospective customers with sound agricultural credit according to Association policies and procedures. Build business development strategies, develop customer relationships, and provide loan servicing for existing portfolios. Operates within delegated lending authority.

Requirements

• Education and/or experience equivalent to a bachelor’s degree.
• 2-3 years of relevant work experience.
• Ability to effectively communicate and work independently or with a team.
• Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the borrower and the Association
• Travel as required to meet with customers.
• Knowledge of Farm Credit Association policies and procedures.
• Current awareness of economic developments and production technology affecting agriculture in the region.

Responsibilities

• Makes calls on prospects using a weekly sales plan to include a specific goal for numbers of prospects visited and number of existing customers visited.
• 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-sell opportunities with existing members.
• Documents all sales activities in Association’s Customer Relationship Management tool.
• Develop new business by actively pursuing new individual and business customers and by becoming a visible and involved member of the community.
• Creates and maintains relationships with centers of influence to increase referral business.
• Represents AgGeorgia at Trade Shows, local events, realtor meetings, civic organizations, etc.
• Interview applicants, gathers and reconciles complete, accurate credit and financial data using the five credit factors under the guidelines of differential analysis.
• Serves as a courier between membership and Association as needed – picking up payments, documents, etc to prevent the member from having to leave their farm.
• Promptly address inquiries from members and prospects and ensures all Association contacts are treating member requests with a sense of urgency.
• Determine credit risk and makes timely and accurate decisions within delegated authority.
• Establish and negotiate credit terms, when necessary.
• Inspects or appraises collateral as needed or applicable.
• 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.
• Maintain acceptable credit administration rating on assigned portfolio.
• Communicates effectively on loans requiring underwriting through the ACA’s analyst team, relaying pertinent information and providing proper documentation to support an accurate recommendation.
• Ensure loans are approved per delegated authorities.
• Participate in various seminars and credit training to maintain and enhance credit skills.
• Ensures compliance with all required disclosures.
• Provides mentorship and guidance to Consumer Loan Officers and other staff.
• 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.
• Call on loan customers to evaluate management, inspect collateral and detect signs of potential financial problems.
• Handles delinquent loan relationships and counsels customers to bring accounts current.
• Other duties as assigned.

Benefits

• Comprehensive medical coverage and additional options for dental and vision benefits. We also offer flexible spending and health savings accounts.
• 401(k) Plan with a 100% match up to 6% of pay, with an automatic company contribution.
• Tuition reimbursement program.
• Generous annual leave and sick leave benefits.
• Company paid holidays.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 101-250 employees