Consumer Lending Officer

AgCountry Farm Credit Services (AgCountry), Farm Credit Services of America (FCSAmerica) and Frontier Farm Credit are financial cooperatives that operate under shared management across eight states. While each association is owned by its local farmers and ranchers, they collaborate by pooling resources, expertise, and talent to provide affordable credit, crop insurance, and financial services. Our associations are united by a common mission and commitment to serving rural America and supporting each other, which drives the success of the farmers, ranchers, and agribusiness we serve.

About the role

We are seeking a Consumer Lending Officer specializing in purchase, refinance, construction loans, and all consumer loans. This role involves marketing consumer lending products and building strong working relationships with industry contacts. You will provide expertise on the consumer marketplace, available products, and financing options to meet customers' current and future needs. Responsibilities include originating credit, assessing requests, gathering financial information, and leading customer relationships while coordinating with internal teams to serve customer needs.

Responsibilities

• Sales and Relationship Management:
  • Develop and maintain a professional presence and use effective sales strategies to increase the Associations’ consumer market share in the assigned territory.
  • Engage in marketing and promotional activities to support sales goals.
  • Maintain professional relationships with industry groups, home mortgage professionals, and organizations.
  • Determine and define appropriate customer interactions and coordinate resources to serve applicants.
  • Communicate effectively with applicants and team members regarding requests.
  • Introduce applicants to teammates who will support the process.
  • Actively engage with team members, including daily processing and servicing of credit, training, development, and relationship-building activities.
• Deliver Sound Credit:
  • Gather and document customer financial information and application details in compliance with consumer lending requirements.
  • Assist customers in preparing accurate financial information.
  • Interpret and evaluate financial information to determine appropriate product or service needs.
  • Recommend loan terms, conditions, and collateral positions consistent with the request and associated risks.
  • Set clear expectations with applicants and communicate credit decisions, loan terms, and conditions.
  • Resell the deal if terms change and coach customers to meet future financial goals.
• Service Portfolio:
  • Provide ongoing oversight and monitoring of construction projects, including coaching for cost overruns.
  • Review property inspections according to procedures.

Travel Time: 50% day travel, 15% overnight travel.

Requirements

• Bachelor’s degree in Real Estate, Business, Finance, Economics, or a related field (preferred).
• 2+ years of experience in Real Estate, Business, or Finance.

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.

About Us

AgCountry has 43 offices, is based in Fargo, North Dakota, and serves portions of North Dakota, Minnesota, and Wisconsin. FCSAmerica is based in Omaha, NE, and has 42 local offices serving rural communities and agriculture in Iowa, Nebraska, South Dakota, and Wyoming. Frontier Farm Credit has six offices serving eastern Kansas. Together, we support nearly 82,000 producers and agribusinesses with over 2,600 employees providing lending, risk management, technology, commodity marketing, and customer and employee education.