Junior Ag Loan Officer

Beacon Credit Union; Kokomo (IN); On-site; USD 60,000 - 85,000; Full time

Benefits offered by this job

Health, dental and vision insurance

Paid time off

401(k) match

Incentive/bonus program

Tuition reimbursement

and more!

Job summary

Beacon Credit Union is seeking a Junior Ag Loan Officer in Indiana to assist members with Agriculture and Commercial lending needs and develop a loan portfolio. You will analyze credit and financial reports to assess risk, with limited lending authority and support for delinquent accounts.

The role emphasizes on-site farm visits, credit analysis, and coordinating with partners such as title companies and appraisers. Strong communication and relationship skills are essential.

Qualifications

• One to three years of agriculture, sales and/or related credit union experience.
• Four-year college degree or equivalent combination of education and experience.
• Sales skills and an ability to develop new business after training.
• Ability to communicate (both oral and written).

Responsibilities

• Performs on-site commercial/farm visits to interview loan applicants and develop information about needs and financial condition.
• Performs initial and ongoing credit analysis to determine policy compliance and risk ratings.
• Reviews loan documents for completeness and accuracy and coordinates with title companies, appraisers, realtors.
• Explains loan programs, evaluates needs, and recommends loan options.
• Follows current loans for compliance and coordinates with collections as needed.

Skills

Agriculture lending experience

Sales skills

Credit union experience

Communication skills

Relationship development

Education

Bachelor's degree or equivalent

Job description

Note: This position could be based at various Beacon Credit Union offices throughout the state of Indiana so long as there is available office space. This employee will need to have the necessary sales skills and ability required to develop new business after receiving training, with the goal of becoming an Ag Loan Officer with their own loan portfolio. This role is ideal for recent college graduates or those in the early stages of their ag lending career.

Role

To assist members with their Agriculture and Commercial lending needs; analyze loan requests and make credit recommendations based on lending policy. Responsible for analyzing credit and financial reports to determine risk involved in loaning money or extending credit. Junior Ag Loan Officer will have limited lending authority and will assist in working delinquent accounts.

Major Duties and Responsibilities

• Performs on-site commercial/farm visits in order to interview member loan applicants to develop information concerning their loan needs, earnings, and financial condition and to review member's relationship with Beacon Credit Union. Participates in sales development activities.
• Performs initial and ongoing credit analysis to determine if members' credit requests satisfy policies and procedure guidelines, and prepares and processes all applicable documentation for credit analysis and risk ratings. Prepares a detailed narrative based on the financial trends and ratios to present in the reports presented to loan committees for loan approval and risk rating score assignment purposes. Makes recommendation to approve, disapprove, or forward the loan request to higher levels for decision. Assists in establishing the terms and conditions of an approved loan and reviews them with the member.
• Reviews all loan documents for completeness and accuracy. Will also be expected to work with outside individuals such as title companies, appraisers, realtors, etc.
• Keeps informed of current trends in commercial and agricultural lending. Explains loan programs to members, evaluates their needs and recommends loan options.
• Follows current loans to ensure compliance with terms and coordinates with collections as needed.
• Performs other related duties as assigned.

Position Qualifications

• One to three years of agriculture, sales and/or related credit union experience
• Four-year college degree or equivalent combination of education and experience
• Sales skills and an ability to develop new business after training
• Ability to communicate (both oral and written)
• Ability to foster sound relationships with other entities
• Extremely detail-oriented
• Excellent judgment
• A significant level of trust and diplomacy, in addition to courtesy and tact
• Ability to work with little or no supervision

Standard position hours are Monday through Friday, 8:30 a.m. to 5 p.m.

Available Benefits Include:

• - Health, dental and vision insurance
• - Paid time off
• - 401(k) match
• - Incentive/bonus program
• - Tuition reimbursement
• - and more!

Why Beacon?

At Beacon, you're more than just an employee. You're part of a supportive, values-driven community that truly cares. Whether you're drawn by our strong team culture, opportunities for growth in business and finance, or the chance to make a real difference in members' lives, Beacon offers a career with purpose. Our team loves helping people, solving problems, and building meaningful relationships, all while enjoying great benefits, a healthy work-life balance, and a positive, family-oriented environment. Join Beacon where people matter and every day is an opportunity to grow, serve, and thrive.