Senior Loan Officer
About The Position
The Senior Loan Officer develops complex lending relationships and manages a portfolio of high-value agricultural and commercial customers. The role provides financing expertise, manages advanced customer relationships, supports portfolio growth and retention, and serves as a trusted advisor. A strong understanding of agricultural lending and commercial credit is essential. ARM primarily provides operating lines of credit to agricultural customers; real estate and equipment financing needs are handled through funding partners. Approximately 90% of sales efforts should focus on originating operating lines, with the remaining efforts focused on identifying and supporting financing opportunities through ARM’s funding partners.
Requirements
- Strong agricultural background and business development experience.
- 3–5+ years of experience in agricultural lending and/or sales.
- Ability to build relationships that promote loan volume and credit quality.
- Self-motivated and driven.
- Excellent communication skills.
- Experience with loan documentation.
Nice To Haves
- Leadership experience.
Responsibilities
- Manage approximately 30–40 customer relationships within the assigned territory or market.
- Develop and maintain new and existing customer relationships, including assigned and long-standing ARM customer relationships.
- Attract, retain, and manage strategic, complex, and high-value customer relationships not assigned to an Area Manager.
- Assume responsibility for customer relationships transitioned as Area Manager portfolios grow, maintaining continuity of service and ongoing relationship management.
- Serve as the primary day-to-day relationship manager for assigned customer accounts.
- Communicate regularly with customers to ensure satisfaction, strengthen relationships, and identify additional financing or service needs.
- Drive annual renewals, including pricing discussions, term negotiations, and coordination of required documentation.
- Partner with Credit, Operations, and other internal departments to facilitate renewals, resolve issues, and provide customer service.
- Monitor portfolio performance, customer utilization trends, and potential risk indicators, escalating concerns when appropriate.
- Coordinate timely collection of financial statements, reporting requirements, and other required customer documentation.
- Maintain accurate customer records, pipeline activity, forecasts, and relationship updates in HubSpot CRM.
- Participate in Regional Meetings by providing pipeline updates, portfolio status, and closing forecasts.
- Support customer retention by proactively addressing concerns and identifying opportunities to strengthen existing relationships.
- Assist customers with onboarding and effective use of the ARM customer portal.
Benefits
- 401(k) with Roth and Traditional options and employer match and vesting.
- Paid Time Off (PTO).
- Competitive compensation and benefits package.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
