Loan Officer

BASIC FUNCTION

We are seeking a results-driven Loan Officer specializing in agricultural lending to join our team. This role focuses on originating, structuring, and approving credit solutions for business and agricultural clients. The ideal candidate brings strong financial acumen, experience in credit analysis, and a proven ability to manage lending relationships from origination through approval and servicing.

ASSOCIATE RELATIONSHIP MANAGER ESSENTIAL FUNCTIONS

• Largely focused on lead and referral conversion from internal and some external sources to generate new business
• Works with leaders and sales teammates to identify key relationships and activities to defend core business and establish relationships with existing customers
• Engaged in trade and community events in partnership with marketing and sales teammates to represent AAC and build a personal network of referral resources
• Reviews entity structures to determine appropriate liability and signing requirements of applicants
• Develops and applies an understanding of financial statements and tax returns in order to accurately calculate and enter financial metrics
• Acts as final approver when customer request fits scorecard assisted underwriting metrics, or partners with underwriting team on requests requiring additional review
• Follows up with auto-renewals to verify appropriate line commitment and usage, along with any other operational changes of the customer
• Maintains quality data and tracks sales process in the CRM system
• Makes independent decisions within Retail Banking Designated Loan Area

RELATIONSHIP MANAGER ESSENTIAL FUNCTIONS

• Solutions Expert: knows and understands the products that AAC can offer to our customers including those of our product partners
• Fosters new business by cultivating and maintaining relationships, discovering needs, and providing new solutions to our customers
• Develops new business through data driven insights, and by providing expertise and involvement in key community and industry functions
• Qualifies and converts Retail Leads from various sources
• Reviews entity structures to determine appropriate liability and signing requirements
• Collects, analyzes, and enters financials with accuracy in order to assure sound credit decisions
• Acts as final approver when customer request fits scorecard assisted underwriting metrics, and works with underwriting team to recommend approval of requests requiring additional review
• Creates fee and rate offerings that achieve Association profitability targets while remaining competitive within respective markets
• Follows up with auto-renewals to verify appropriate line commitment and usage, along with any other operational changes of the customer
• Maintains quality data and tracks sales process in the CRM system
• Knowledgeable in broad and local market area risks associated with agricultural industries and commodities being financed
• Focuses on providing excellent customer service through outstanding communication skills
• Demonstrated ability to assess multiple tasks or issues which are competing for a limited amount of time or resources and determine the order in which each will be addressed; sets priorities, goals, and timetables to achieve maximum productivity
• Takes initiative for learning and development by acquiring and refining of technical and professional skills needed in job related areas; proactively seeks performance feedback and identifies approaches to improve own performance
• Interacts and communicates regularly and effectively with leadership and staff within the Retail Channel and across the association

ESSENTIAL REQUIREMENTS

• Must have the ability to perform basic office tasks and work in a typical office setting
• Employee will be sitting for extended periods of time and accomplishing work at a desk and work at a computer for an extended period of time
• Strong written and verbal communication skills to adequately convey ideas and work well with a team
• Ability to talk and hear, sit and use their hands and fingers, and reach in all directions is essential in performance of the job
• Some lifting and moving of items up to 25 pounds required
• Work during established business hours and may require occasional weekend and/or evening work

PAY RANGE

This range is reflective of the national salary average for this position and will be adjusted using geographic variance for physical location of the hired candidate. Salary offered, within the applicable range, is one component of the total rewards package offered to candidates. All hiring is contingent on eligibility to work in the United States. We are unable to sponsor or transfer visas for applicants. American AgCredit provides equal opportunity in employment to all employees and applicants. We celebrate diversity and do not discriminate on the basis of race, color, creed, religion, national origin, ancestry, alienage or citizenship status, age, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or related medical condition, military service or veteran status, victims of domestic violence, or any other characteristics protected by applicable federal, state, or local laws. American AgCredit prohibits harassment of any individuals on any of the bases listed above. If you need assistance or an accommodation due to a disability, you may contact us at jobs@agloan.com.