Consumer Lending Officer

Farm Credit Services of America • Jamestown, ND

21h

About The Position

Incumbent can work from one of the following offices in the AgCountry footprint: Fargo, Grand Forks, Jamestown or Minot in North Dakota.

We are seeking a Consumer Lending
Officer
specializing in purchase, refinance, construction
loans
and all consumer loans for our organization. Responsible for
marketing
the consumer lending product and building strong working relationships with business contacts. Provide knowledge of the consumer marketplace, available
products
and finance to fully understand the applicant(s) current and future needs and financial position to present the options that best meet their needs. You will
be
responsible
for
originating credit to his/her customers by assessing the request and obtaining business and financial information needed to
determine
the viability and profitability of the deal. You will be asked to lead the
customer relationship and often
coordinate
with others to serve the
customer’s
loan, lease, crop
insurance,
and servicing needs.

Requirements

• Bachelor's degree, Real Estate, Business, Finance or Economics or related field is preferred
• Minimum of 2 years of experience preferred in Real Estate, Business, or Finance.
• Registered with the Nationwide Mortgage Licensing System and Registry (NMLS) or the ability to do so within 30 days of employment.
• Proficient in currently technology.

Responsibilities

• SALES and RELATIONSHIP MANAGEMENT: Develop and maintain a professional presence and use effective sales and relational strategies to increase the Associations’ consumer market share in the assigned territory. This includes: Engagement in marketing and promotional activities throughout the assigned territory to support sales goals; maintain professional relationships with appropriate influencer groups, home mortgage professionals and organizations.
• Determine and define the appropriate customer interaction and coordinate the appropriate support of resources that may directly or indirectly provide service to the applicant(s). Effectively communicate with the applicant(s) and appropriate team members regarding the request.
• Introduce applicant(s) to teammate(s) who will support the process.
• Actively engage with support team members including daily processing and servicing of credit and participating in training, development and relationship building activities.
• DELIVER SOUND CREDIT: In support of originating credit requests, the officer will: Gather and document customer financial information and application details, in compliance with consumer lending requirements and in coordination with appropriate team members.
• Assist customers in preparing an accurate list of assets and liabilities to establish current balance sheets as needed.
• Interpret and evaluate financial information and ask probing questions to determine the appropriate product or service needs of the applicant(s).
• Recommend loan terms, conditions, collateral position consistent with the request and associated loan risks and set clear expectations with the applicant(s).
• Communicate credit decisions, loan terms and conditions to the customer; resell deal as needed if terms change.
• Coach and counsel customers to meet future financial goals.
• SERVICE PORTFOLIO: Provide the following on-going service and support: Provide oversight and monitoring of construction projects; coach and counsel when cost overruns apply.
• Review property inspections according to procedures.

Benefits

• Health Benefits: Comprehensive medical, dental, and vision insurance
• Retirement Plans: 401(k)
• Paid Time Off: Vacation, sick leave, paid holidays, and parental leave
• Additional Benefits: Life and disability insurance, Employee Assistance Program (EAP), wellness programs, tuition assistance, and short-term incentive pay

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Number of Employees: 1,001-5,000 employees