Poultry Lending Officer

Southern Bancorp; New York (NY); On-site; USD 50,000 - 70,000; Full time

Benefits offered by this job

401(k) with employer match

Employee stock ownership plan

Discounted home mortgage rates

Credit and housing counseling

Job summary

A regional bank in New York is seeking a Lending Officer to develop and expand agricultural and small business loans. The ideal candidate will have at least three years of experience in agriculture lending, strong analytical skills, and excellent client service abilities. This role also offers a comprehensive benefits package including medical insurance and a 401(k) plan.

Qualifications

• At least three years of experience in agriculture lending or sales.
• Must possess a valid driver’s license and maintain appropriate vehicle insurance.

Responsibilities

• Develop and maintain a portfolio of agricultural loan accounts.
• Analyze loan applications to assess feasibility and risk.
• Audit loan files to ensure compliance with guidelines.
• Service existing loans and counsel customers.
• Coordinate the loan closing process.

Skills

Strong analytical and problem-solving skills

Excellent organizational skills

Strong client service and interpersonal skills

Team-oriented

Effective customer service and collections skills

Education

High school diploma or equivalent

Bachelor’s degree in business or related field (preferred)

Job description

Southern Bancorp is a different kind of bank. As a Community Development Financial Institution (CDFI), Southern Bancorp combines traditional banking and lending services with financial development tools and public policy advocacy to help families and communities grow stronger. Our mission is to be wealth builders for everyone in the communities we serve, with a focus on low-wealth and un(der)banked populations, and an emphasis on Black and Brown individuals.

Overview

The Lending Officer is responsible for developing and expanding agriculture and small business loans, both directly and indirectly. This role evaluates loan feasibility, streamlines the loan processing workflow, and oversees the loan closing process. The Lending Officer ensures compliance with company policies and guaranteed loan programs, including SBA and FSA underwriting guidelines (when applicable). Staying informed on agricultural and small business lending trends is also a key aspect of this position. This position services SW Arkansas, SE Oklahoma, E Texas and N Louisiana.

Key Responsibilities

• Develop and maintain a portfolio of agricultural loan accounts.
• Analyze loan applications to assess feasibility and risk.
• Audit loan files to ensure compliance with internal and external guidelines.
• Service existing loans and counsel customers to reduce delinquencies and increase loan volume.
• Coordinate the loan closing process and assist with loan servicing.
• Perform other related duties as assigned.

Requirements

Education & Experience:

• High school diploma or equivalent (required).
• At least three years of experience in agriculture lending or sales.

Skills & Abilities:

• Strong analytical and problem-solving skills.
• Excellent organizational skills to prioritize responsibilities and meet deadlines effectively.
• Strong client service and interpersonal skills for working with internal and external clients.
• Team-oriented, with the ability to collaborate across all levels of the organization.
• Effective customer service and collections skills, requiring assertiveness and discretion.
• Must possess a valid driver’s license and maintain appropriate vehicle insurance.
• Ability to travel within the market area for meetings and appointments.

Preferred Qualifications

• Bachelor’s degree in business, agricultural business, finance, or a related field.

Physical & Sensory Requirements

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

What we offer our employees

• 401(k)/Roth plan with immediate eligibility and employer match up to 6%
• Employee stock ownership plan
• Discounted rate on primary home mortgage
• Credit and housing counseling as well as free financial education tools available to customers and employees

Benefits to improve your health

• No deductible medical insurance plan
• Dental and vision insurance
• Employer paid life and long-term disability insurance
• Flexible Spending Accounts

The opportunity to nurture your well-being

• Paid holidays and paid time off
• Bonus plan
• Opportunity for merit raises
• Employee reward and recognition programs
• Community service opportunities

Equal Opportunity

Southern Bancorp is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, sexual orientation, gender identity, gender expression, status as a protected veteran, among other things, or status as a qualified individual with disability. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. We strongly encourage applications from people with diverse identities and backgrounds.