Rural 1st Loan Officer - California

E Farmcredit; Sacramento (CA); Remote; USD 58,000 - 138,000; Full time

Job summary

A leading financial services cooperative is seeking a Rural 1st Loan Officer to build customer relationships and manage loan processes. This remote, full-time position requires a bachelor's degree and experience in handling complex customer needs, with comprehensive benefits offered.

Benefits

Comprehensive benefits

Competitive 401(k)

Health and wellness programs

Qualifications

• Preferred experience of 5+ years handling complex customer needs and credits.

Responsibilities

• Develops and maintains professional relationships to increase market share.
• Gathers and evaluates financial information, recommends loan terms.
• Collaborates with teams on disbursements and servicing.

Skills

Sales & Relationship Management

Credit Evaluation

Customer Service

Education

Bachelor’s degree in agriculture, business, or related fields

Job description

Farm Credit Mid-America - Rural 1st Loan Officer

Farm Credit Mid-America is a financial services cooperative serving farmers and rural residents across Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our mission is to support rural communities and agriculture through dedicated service and creating positive customer experiences.

We are recognized as a Best Places to Work in Kentucky for 12 consecutive years. Our focus is on putting customers and team members at the center of everything we do.

Rural 1st provides tailored lending solutions for land, construction, and home loans for rural living.

Location: Central California, near Livermore, Morgan Hill, Gilroy, Lodi, or Sacramento
Schedule: Remote, Full-Time
Travel: 50%-75% across counties including San Mateo, Santa Cruz, Contra Costa, Alameda, Santa Clara, Sacramento, San Joaquin, El Dorado.

Compensation: $58,795 - $137,777 base salary plus variable pay, based on skills, experience, and location. Additional compensation outside this range may be provided for bona fide reasons.

The Rural 1st Loan Officer (RLO) is responsible for building customer relationships, originating credit, and managing loan processes, including assessment, approval, and servicing, with a focus on the consumer market segment.

This role requires existing NMLS registration under the SAFE Act or the ability to obtain it upon hire, maintaining good standing throughout employment.

Key Responsibilities

1. Sales & Relationship Management: Develops and maintains professional relationships to increase market share, primarily working out of the office to meet clients and prospects, providing financial guidance aligned with customer goals.
2. Sound Credit Delivery: Gathers and evaluates financial information, recommends loan terms, and communicates decisions effectively, ensuring compliance with lending standards.
3. Service Portfolio: Collaborates with teams on disbursements, servicing, and risk management, ensuring excellent customer service and portfolio health.
4. Core Values: Upholds the mission and values of Farm Credit Mid-America, adhering to conduct, security, and confidentiality policies.

Qualifications include a bachelor’s degree in agriculture, business, or related fields, with preferred experience of 5+ years handling complex customer needs and credits.

Mental & Physical Requirements

Includes sitting, standing, communication, physical tasks like lifting, and driving, with accommodations available as needed.

Farm Credit Mid-America offers comprehensive benefits, including a competitive 401(k), health, and wellness programs. We are an equal opportunity employer, committed to diversity and inclusion.