Senior Loan Officer

First South Farm Credit; Birmingham (AL); On-site; USD 70,000 - 110,000; Full time

Job summary

First South Farm Credit is seeking an experienced agricultural lending professional to serve present and prospective members with credit and related services. The role involves analyzing borrower data, evaluating risk, and recommending terms within district policies.

The position may train and guide less experienced loan officers. Key tasks include developing new business, expanding relationships, and maintaining portfolio quality while ensuring competitive pricing and compliance.

Qualifications

• Education and/or experience equivalent to a Bachelor's degree in Business Administration, Agriculture, Economics or Finance.
• Three+ years or related agricultural lending experience.
• Demonstrated computer proficiency with financial databases and spreadsheets.
• Excellent written and verbal communication with diplomacy and tact.

Responsibilities

• Develops new business by pursuing new customers and by being an active community member.
• Expands existing relationships by matching bank products to customer needs.
• Interviews applicants and analyzes credit data per guidelines.
• Determines credit risk and makes timely, accurate decisions.
• Establishes and renegotiates credit terms as needed.
• Inspects collateral and communicates decisions to applicants.
• Manages loans in portfolio and monitors progress.

Skills

Credit analysis

Financial software

Communication skills

Agriculture knowledge

Education

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

Tools

Financial databases

Spreadsheet software (Excel)

Job description

JOB DESCRIPTION Summary

Serves present and prospective members/customers with sound, productive short, intermediate and long term agricultural credit according to district policies, standards and procedures. Promotes related services to all current and prospective members. Services all assigned existing loans within delegated authorities. May train and direct less experienced loan officers.

Responsibilities/Duties

• Develops new business by actively pursuing new individual and business customers and by becoming a visible and involved member of the community.
• Expands existing relationships by proactively researching customer needs and matching bank products and services to those needs.
• Interviews applicants, gathers, analyzes and reconciles complete, accurate credit and financial data using the five credit factors under the guidelines of differential analysis.
• Determines credit risk and makes timely and accurate decisions.
• Establishes and renegotiates credit terms, when necessary.
• Inspects or appraises collateral as needed or applicable.
• Communicates credit decision to loan applicants.
• Services loans in portfolio to retain high loan level quality.
• Reviews progress of loans on a periodic basis.
• Makes periodic calls on loan customers to evaluate management, inspect collateral and detect signs of potential financial problems.
• Monitors delinquent reports and counsels with customers to bring accounts current.
• Provides guidance to customers seeking solutions to financial problems.
• Follows market trends and developments to increase association's business in established and developing markets.
• Keeps in formed of competition and their markets, primary products and services, major strengths and limitations, and their basic pricing arrangements.
• Provides information to existing and potential members/borrowers as to available financially related services and properly handles financial service accounts.
• Travel to/from other branch offices, associations, AgFirst or other facilities.

Knowledge/Skills/Abilities

• Education and/or experience equivalent to a Bachelor's degree in Business Administration, Agriculture, Economics or Finance.
• Three+ years or related agricultural lending experience.
• Demonstrated computer proficiency and familiarity with financial databases and spreadsheet applications.
• Excellent 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 ACA and the borrower.
• Current awareness of economic developments and production technology affecting agriculture in the region.

PROBLEM SOLVING AND DECISION-MAKING

Deals with new applicants and repeat borrowers to include moderately complex loans and treatments.