Loan Officer or Senior Loan Officer
About The Position
Do you thrive in a dynamic environment where you can make a meaningful impact on local agriculture? Are you passionate about building relationships and helping individuals achieve their financial goals? If this sounds like you, we invite you to apply! Golden State Farm Credit is seeking a Loan Officer to join our growing credit team in Kingsburg, CA. The ideal candidate will possess a knowledge of local commodities and an ability to combine agricultural and business knowledge to build new relationships with agricultural customers. Our team at Golden State Farm Credit is united in our efforts to support rural communities and the agricultural industry. We offer a distinct work environment that fosters collaboration amongst teams, promotes a customer-centric approach to service, rewards those who take initiative, and provides a variety of projects to create an engaging work culture. We value teamwork, continuous learning, and the positive impact that our dedicated employees make. The Association reserves the right to hire a qualified candidate from the VP, Loan Officer classification instead of the Loan Officer or Senior Loan Officer classification, depending on applicant experience and organizational needs. Intrigued? Want to know more? Apply at Careers | Golden State Farm Credit !
Requirements
- Knowledge of the agriculture, financial and real estate industry, and applied business mathematics and principles.
- Knowledge of Microsoft Office Suite, computers, current software, and other office tools.
- Ability to effectively read, write, and communicate in the English language.
- Skill in serving and working effectively with both external and internal customers in a professional, respectful manner.
- Skill in analyzing information and problem solving to formulate logical and objective conclusions.
- Knowledge of accounting principles, practices, and methods.
- Knowledge of credit analysis and regulatory requirements with respect to borrower’s rights.
- Knowledge of financial statements and Generally Accepted Accounting Principles (GAAP).
- Knowledge of title issues, easements, tax law, title and escrow, state and federal ag regulations, appraisal concepts, processes and procedures, lending practices, farm business management, and other industry terminology.
- Skill in establishing and maintaining relationships with a variety of internal and external organizations and the community to advance the organization's interests and grow/maintain business.
- Skill in educating, promoting, and selling credit products to customers.
- Skill in communicating complicated information, delivering bad news, and negotiating complex agreements effectively to achieve the best outcome for the Association.
- Bachelor’s Degree in Agriculture, Agribusiness, Business, Finance, or a related field
- Loan Officer: 2 year of credit analyst experience. 0-2 years in sales, lending, or other related work
- Senior Loan Officer: 3-5 years of loan officer experience. Or an equivalent combination of education and experience sufficient to perform the essential functions of the job
- Experience and portfolio size can differ depending on experience and level of applicant.
- keying, talking, hearing, seeing, and repetitive motions.
- Sedentary Work: Exerting up to 10 pounds of force occasionally to lift, carry, push, pull or move objects. Must be able to remain in a stationary position most of the time.
- The employee must be able to prepare and analyze data and figures; transcribe data; understand information communicated via computer screens and in written text.
Responsibilities
- Loan Underwriting (LO 40%, Senior LO 30%)
- Loan Portfolio Management / Servicing (35%)
- Business Development (LO 15%, Senior LO 25%)
- Loan Documentation (10%)
- Data Security and Confidentiality
- Commitment and Support of Association Mission
Benefits
- In addition to salary, the Association has a team based incentive program that provides an opportunity for up to 15% payout of base salary based upon Association performance.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Number of Employees
11-50 employees
