Loan Officer II

Central Kentucky Ag Credit; Frankfort (KY); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Competitive pay and advancement

Low-cost premiums

401(k) with 6% company match, and an 3

Paid time off and holidays

Community-focused culture

Job summary

Central Kentucky Ag Credit in Frankfort, KY is seeking a Loan Officer to help our members in rural America. You will handle loan processing, client support, and administration to evaluate and prepare loan applications, with overtime eligible.

Join a community-focused team dedicated to personal service, accurate loan processing, and dependable support at our local branch. Daily on-site collaboration and strong regional knowledge are valued assets.

Qualifications

• Education and/or experience equivalent to a Bachelor's degree in Business Administration, Agriculture, Economics or Finance.
• 3+ years of related experience.
• Demonstrated computer proficiency and familiarity with financial databases and spreadsheet applications.
• Excellent written and verbal communication skills with ability to employ diplomacy and tact with customers and prospects while articulating the benefits of Farm Credit.
• Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the Association and the borrower.
• Current awareness of economic conditions and production technology affecting agriculture in the region.

Responsibilities

• Making Loans: Uses sound judgement to make loans within delegated lending authority, timely, and in compliance with all lending regulations.
• Marketing and Business Development: Contributes to branch volume goals and the development and promotion of the Association's image.
• Servicing Loans: Completes all loan servicing requests while ensuring accuracy of all data.
• Fee Income and Related Activities: Applies appropriate servicing fees, appraisal fees, and late charges.
• Other Duties May be Assigned

Skills

Communication skills

Diplomacy and tact

Education

Bachelor's degree in Business Administration, Agriculture, Economics or Finance

Tools

Financial databases

Spreadsheet applications

Job description

JOB DESCRIPTION

Do you want to be involved in your local community and rural America? Do you love to help people at work or in your community? Would your friends and peers describe you as friendly and caring? Central Kentucky Ag Credit might be the place for you. We are looking for amazing people with a passion for assisting others as candidates for a Loan Officer in our Frankfort Branch. This role performs a wide range of loan processing, client support, and administrative activities to assist in evaluating and preparing loan applications. This is a regular, full-time non-exempt position that is eligible for overtime pay on hours worked over 40 during a work week based on the business needs and your availability. Daily participation at our on-location sites is an important part of our culture. Please be mindful of commute distance when considering applying.

Why Join Central Kentucky Ag Credit

At Central Kentucky Ag Credit, we're proud to serve our members and communities with a personal approach to agricultural lending. As a Loan Officer, you'll play an essential role in supporting branch operations and helping our members succeed. You'll work closely with your branch to provide exceptional service, accurate loan processing, and dependable support-all while representing Ag Credit's trusted local presence.

Key Responsibilities

• Making Loans
  • Uses sound judgement to make loans within delegated lending authority, timely, and in compliance with all lending regulations.
  • Meets individual volume goals while maintaining the expected credit quality.
  • Completes loan requests timely and maintains appropriate credit administration scores and credit quality percentages.
• Marketing and Business Development
  • Contributes to branch volume goals and the development and promotion of the Association's image.
  • Contributes to branch marketing plans and branch net earnings goals.
  • Maintains prospect list and completes routine prospect visitation.
  • Ensures accuracy and timeliness of all loan packages.
• Servicing Loans
  • Completes all loan servicing requests while ensuring accuracy of all data.
  • Applies Association procedures and practices for all loan actions.
  • Monitors all loan progress, classification, and quality.
• Fee Income and Related Activities
  • Applies appropriate servicing fees, appraisal fees, and late charges.
  • Promotes borrower attendance at the Annual Stockholders meeting.
• (Other Duties May be Assigned)

What You Bring

• Education and/or experience equivalent to a Bachelor's degree in Business Administration, Agriculture, Economics or Finance.
• 3+ years of related experience.
• Demonstrated computer proficiency and familiarity with financial databases and spreadsheet applications.
• Excellent written and verbal communication skills with ability to employ diplomacy and tact with customers and prospects while articulating the benefits of Farm Credit.
• Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the Association and the borrower.
• Current awareness of economic conditions and production technology affecting agriculture in the region.

Benefits and Perks

• Competitive pay and advancement opportunities
• Large split and low-cost premiums
• 401(k) with 6% company match, and an additional 3%
• Paid time off and holidays
• Supportive, community-focused culture

ABOUT US

If you're looking for an exciting career in the ever-evolving agriculture industry and want to help improve rural America in our local community, Central Kentucky Ag Credit might be the place for you. Central Kentucky Ag Credit is dedicated to providing a great work environment for our employees.

Ag Credit provides:

• Competitive compensation
• Comprehensive Benefits Package including medical, dental, vision, life insurance and 401(k) plan
• Advancement Opportunity
• Training and Leadership Development

We appreciate your interest in employment opportunities with Ag Credit and wish you success in your career.