Rural 1st Loan Officer - California

Farm Credit Mid-America; Sacramento (CA); Remote; USD 60,000 - 90,000; Full time

Job summary

A leading financial services provider seeks a Rural 1st Loan Officer in Sacramento. This role focuses on building relationships with customers, evaluating credit requests, and providing tailored financial solutions. The ideal candidate will possess strong sales skills, a background in finance, and the ability to manage complex customer needs. Join a dynamic team that values integrity and customer service.

Benefits

401(k) Plan

Health and Financial wellness benefits

Qualifications

• NMLS registration or ability to obtain upon hire.
• 5+ years of experience with complex customers preferred.
• Competent with routine customers having basic product needs.

Responsibilities

• Build and maintain relationships with customers and prospects.
• Evaluate financial information and recommend loan terms.
• Coordinate with internal teams to serve customer needs.

Skills

Sales

Relationship Management

Financial Analysis

Customer Service

Education

Bachelor's degree in agriculture, business or related field

Job description

The Rural 1st Loan Officer (RLO) is a sales position primarily responsible for building relationships with business contacts and customers in the consumer market segment. The RLO will use his or her knowledge of the consumer marketplace, products and finance to fully understand the customer's or prospect's business and personal plans and then market the Farm Credit Mid-America / Rural 1st financial services that best meet the needs.

The RLO has the responsibility for originating credit to their customers by assessing the request and obtaining business and financial information needed to determine the viability and profitability of the deal. After initially screening for soundness, the RLO submits the information to an analyst, underwriter or scoring system for final decision. The RLO leads the customer relationship and often coordinates with others to serve the customer's loan, lease, crop insurance and servicing needs.

This position requires existing NMLS registration under the SAFE Act, or the ability to obtain the same upon hire, and maintenance of a status in good standing during employment.

How You Will Spend Your Time

SALES and RELATIONSHIP MANAGEMENT : The Rural 1st Loan Officer develops and maintains a significant professional presence that yields sales that increase the Associations market share in the assigned territory. The Rural 1st Loan Officer spends most of the time out of the office to build professional relationships with customers, prospective customers and influencers based on mutual trust and respect. Using an understanding of customer goals, credit strengths and weaknesses, the Rural 1st Loan Officer delivers value added / constructive financial information to customers.

• Determines and defines the appropriate customer interaction and coordinates the appropriate staff that may directly or indirectly be a part of the relationship to serve the customers loan and servicing needs.
• Communicates to the customer and to internal team members regarding the customers needs.
• Introduces customers to the Associations process and the team members who will support the process.

DELIVER SOUND CREDIT : As part of the ongoing consultative relationship with our customers, the Rural 1st Loan Officer :

• Gathers and documents customer financial information and application details, in compliance with lending requirements and in coordination with Rural 1st Loan Associates.
• Interprets and evaluates financial information and asks relevant follow-up and probing questions to determine the appropriate product or service.
• Recommends loan terms, conditions, and collateral position consistent with the request and associated loan risks; sets clear expectations with the customer, and documents pertinent customer information in association systems.
• Communicates credit decisions, loan terms and conditions to the customer.

SERVICE PORTFOLIO : In support of the customer, the Rural 1st Loan Officer :

• Partners with the Rural 1st Construction team on the disbursement process in home loan construction projects.
• Partners with Rural 1st teams to complete servicing actions required for individual customer circumstances.
• Partners with the Customer Care team to monitor the portfolio for timely identification and servicing of loans that expose the association to risk.
• Using knowledge of servicing options, effectively negotiates and communicates these options to the customer, and may partner with the Special Accounts team for resolution.

DEMONSTRATES CORE VALUES :

• Represents and communicates the mission and values of Farm Credit Mid-America.
• Complies with conduct policy, security policy and confidentiality expectations.

Bachelors degree in agriculture, business or related degree preferred.Successful experience, in trainee role or in a similar field. Generally competent with routine customers who have basic product needs.

Preference for 5 plus years of successful experience working with complex customers who have involved product needs and handling complex credits.

Mental & Physical Requirements

While engaged in this position, team members will routinely sit, use hands for tasks, and communicate orally. Standing or walking is frequently required, while occasional demands include reaching with hands and arms, and lifting or moving up to ten pounds. Vision requirements encompass close and distance vision. The work environment typically has a moderate noise level. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem-solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid driver's license, and the ability to drive a long-distance. Reasonable accommodations will be considered for individuals as requested.

Farm Credit Mid-America provides a competitive total rewardspackage to our team members. This includes an award winning 401(k) Plan.Our Health and Financial wellness benefits provide safety, security and peace of mind for you and your family. Here is a highlight of our . Farm Credit Mid-America is an equal opportunity employer, and all applicants will receive consideration for employments without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other category protected by law. #LI-REMOTE