Lending Associate

Oklahoma AgCredit; Pauls Valley (OK); On-site; USD 42,000 - 66,000; Full time

Benefits offered by this job

Competitive base pay with incentive

401(k) contributions

Paid vacation, sick leave and holidays

Health, dental, vision, life insurance

Flexible Spending and HSA

Wellness programs

Customer-centric environment

Community giving opportunities

Job summary

Oklahoma AgCredit is seeking a Lending Associate in Pauls Valley, OK. This developmental role prepares you for Agricultural lending through hands-on credit analysis, loan servicing, customer support, and regional relationship development.

The position emphasizes learning credit philosophy, loan structuring, collateral evaluation, and servicing actions while supporting lenders and clients. You will participate in our Lending Associate Development Program, receive mentoring, and build skills in

Qualifications

• Bachelor's degree or equivalent experience required.
• Knowledge of agriculture industry and financial statements is essential.
• Proficiency with MS Office to prepare and analyze documents.

Responsibilities

• Assist with credit analysis and underwriting support while learning credit evaluation.
• Support loan servicing actions and maintenance of loan documentation.
• Participate in customer visits and business development activities to strengthen relationships.
• Develop knowledge of Oklahoma AgCredit products and lending processes.

Skills

Word/Excel/PowerPoint/Outlook

Agriculture industry knowledge

Accounting and finance principles

Analytical thinking

Reading income statements and balance

Problem solving

Organizing information

Oral and written communication

Interacting with others

Education

Bachelor's degree in Agricultural Business/Finance/Accounting/Related

Tools

PolicyTech awareness

Job description

Lending Associate

Location: Pauls Valley, Oklahoma

Hours: M - F (8am to 4:30pm)

Position Summary:

The Lending Associate is a developmental position designed to prepare future Agricultural Lenders through hands-on experience in credit analysis, loan servicing, customer support, and agricultural lending. The position supports lenders and customers throughout the assigned region while developing the credit, servicing, relationship management, and business development skills necessary for a successful lending career.

Position Responsibilities:

Credit Analysis and Underwriting Support

• Performs credit analysis and underwriting support activities while progressively developing the knowledge and skills necessary to evaluate increasingly complex agricultural lending relationships.
• Analyzes financial statements, tax returns, balance sheets, cash flow projections, and other financial information.
• Assists Agricultural Lenders and Credit Team Members in the preparation of credit requests, recommendations, and supporting documentation.
• Develops knowledge of loan structuring, collateral evaluation, risk assessment, and Oklahoma AgCredit's credit philosophy.

Loan Servicing and Portfolio Support

• Assists with servicing actions including Additional Advances, Annual Loan Reviews, Renewals, Extensions, Conversions, Assumptions, Partial Releases, and Collateral Substitutions.
• Assists in the preparation, analysis, monitoring, and updating of Loan Position Reports (LPRs) and Borrowing Bases.
• Assists with preparation and updating of Personal Property Valuations (PPVs).
• Gathers and updates borrower financial information.
• Assists with covenant monitoring and documentation requirements.
• Coordinates servicing requests with Agricultural Lenders, Lending Specialists, Credit Team Members, and customers.
• Maintains accurate loan documentation and customer records.

Customer Development and Business Exposure

• Participates in customer visits, farm calls, and business development activities with Agricultural Lenders.
• Assists with maintaining and strengthening customer relationships.
• Develops knowledge of Oklahoma AgCredit products and services
• Participates in agricultural, community, customer, and industry events.
• Develops an understanding of production agriculture and regional agricultural markets.

Professional Development and Training

• Participates in Oklahoma AgCredit's Lending Associate Development Program.
• Receives mentoring and coaching from experienced Agricultural Lenders.
• Develops leadership, communication, analytical, and problem-solving skills.
• Completes internal and external training programs.
• Develops knowledge of Oklahoma AgCredit systems, policies, procedures, and operational requirements.

Continuing Education

• Attends internal and external training programs and conferences.
• Reviews credit-related policies and procedures in PolicyTech.
• Completes required regulatory, compliance, and organizational training requirements.
• Pursues professional development opportunities related to agricultural lending and finance.

Minimum Qualifications

• Bachelor's degree in Agricultural Business, Agricultural Economics, Agribusiness, Finance, Accounting, Business Administration, Agricultural Education, or experience equivalent to perform the essential functions of the position.
• Or an equivalent combination of education and experience sufficient to perform the essential functions of the job.

Knowledge and Skills Required

• Knowledge of Word/Excel/PowerPoint/Outlook sufficient to create, update and save a variety of documents
• General knowledge and understanding of agriculture industry
• General knowledge of agricultural economics and agricultural business operations
• General knowledge of accounting and finance principles
• Skill in analyzing information to formulate logical and objective conclusions
• Skill in reading and understanding income statements, balance sheets, and other financial reports
• Skill in utilizing a systematic approach to problem solving
• Skill in gathering, compiling and organizing information
• Skill in interacting and working effectively with others
• Skill in proofreading and editing documents
• Oral and written communication skills, sufficient to exchange information effectively with peers, supervisor and customers

Benefits

• Competitive base pay with an incentive plan
• 401(k) Contribution 3%, Match 6%
• Paid Vacation (15 days), Sick Leave (15 days) and Holidays (12 days)
• Excellent medical, Dental, Vision, Life Insurance
• Flexible Spending and Health Savings Accounts
• Wellness program activities and rewards
• Customer-Centric Environment
• Opportunity to Give Back to Agriculture

Oklahoma AgCredit is an Equal Opportunity Employer dedicated to diversity in the workplace and offers a great work environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), national origin, age (40 or older), disability, genetic information or protected veteran status. Employment with Oklahoma AgCredit is "at-will" which means either you, or the Association, may terminate your employment at any time, with or without cause, for any reason not prohibited by law, and with or without advance notice.

Important note: We care about your hiring process and take it seriously. A real person will review your application, meaning response timelines may vary. The interviewing process at Oklahoma AgCredit may include emails, texts, phone calls, and on-site interviews. We cannot personally follow-up with each applicant, and we will do our best to create a professional, respectful, and thorough process for candidates with whom we identify as a potential fit.