Lending Associate

Farm Credit; Pauls Valley (OK); On-site; USD 42,000 - 62,000; Full time

Benefits offered by this job

Competitive pay

Incentive plan

401(k) with match

Paid vacation

Sick leave

Paid holidays

Flexible Spending

Health Savings Account

Wellness program

Community impact

Job summary

Oklahoma AgCredit is seeking a Lending Associate in Pauls Valley, OK. This developmental role provides hands-on experience in credit analysis, loan servicing, customer support, and agricultural lending, with mentoring from experienced lenders to build credit, servicing, relationship management, and business development skills.

You will participate in the Lending Associate Development Program, engage in field visits, and contribute to evaluating lending opportunities within the region.

Qualifications

• Bachelor’s degree or equivalent experience required.
• Experience or understanding of agriculture industry is preferred.
• Ability to analyze and interpret financial statements and reports.

Responsibilities

• Perform credit analysis and underwriting support while developing knowledge for complex lending.
• Analyze financial statements, tax returns, balance sheets, and cash flows.
• Assist lenders with credit requests, recommendations, and documentation.
• Support loan servicing actions and update loan position reports.
• Assist in portfolio monitoring and borrower data collection.
• Develop understanding of loan structuring and collateral evaluation.
• Participate in customer visits and business development activities.

Skills

Analytical skills

Reading financial statements

Problem solving

Communication skills

Organizational skills

Education

Bachelor’s degree in Agricultural Business/Economics/Finance/BA or related

Tools

Word/Excel/PowerPoint/Outlook

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

Oklahoma AgCredit offers a competitive compensation and benefits package, including

• 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)
• 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.