VP Lending

Legacy Ag Credit, ACA; Terrell (TX); Vor Ort; USD 120.000 - 180.000; Vollzeit

Benefits dieser Stelle

Incentive program

Flexible vacation and sick leave

10-12 paid holidays per year

401(k) plan with employer match

Health, dental, and vision plans

Life insurance and disability

Tuition reimbursement

Zusammenfassung

Legacy Ag Credit, ACA in Terrell, Texas, invites a seasoned Vice President of Lending to lead the branch's credit quality, loan servicing, business development, and staff oversight. This leadership role carries significant delegated authority within the Farm Credit System, focusing on growing loan portfolios for rural land, agricultural operations, and related assets.

You will mentor staff, set goals, ensure compliance with FCA regulations, and coordinate advertising and marketing efforts while

Qualifikationen

• Bachelor's degree in Business Administration, Finance, Agricultural, Economics, or related field.
• 5–7 years of banking or related agricultural lending experience, including at least 1 year in a supervisory/management position.
• Specialized knowledge of banking regulations and credit administration.

Aufgaben

• Generates loan business, services existing loans, and manages the branch loan portfolio.
• Ensures loan analyses and approvals comply with policies and delegated authority.
• Leads staff development, staffing decisions, and performance evaluations.
• Maintains public and member relations and coordinates marketing efforts.
• Ensures compliance with FCA regulations and proper lien perfection on collateral.

Kenntnisse

Banking administration

Asset/liability management

Financial analysis

Accounting principles

Oral and written communication

Microsoft Office

Ausbildung

Bachelor's degree in Business Administration, Finance, Agricultural, Economics, or related field

Tools

Microsoft Office

Jobbeschreibung

JOB DESCRIPTION LEGACY AG CREDIT CAREER OPPORTUNITY Title: Vice President Lending Location: Terrell, Texas

COMPANY PROFILE:

Legacy Ag Credit, ACA is a full-service, locally owned cooperative lender specializing in financing rural land and agricultural operations in Northeast Texas. We are headquartered in Sulphur Springs and have six (6) offices conveniently located across the northeastern region of Texas in Sulphur Springs, Canton, Gilmer, Terrell, Longview and Marshall. Part of the Farm Credit System, we provide financing for farms, timberland, recreational property, agribusinesses, and rural homes.

EDUCATION AND EXPERIENCE REQUIREMENTS:

Bachelor's degree in Business Administration, Finance, Agricultural, Economics, or a related field, or equivalent experience and five (5) to seven (7) years or progressively responsible banking or related agricultural lending experience, including at least one (1) year in a supervisory and/or Management position.

JOB PURPOSE AND SCOPE:

Manages the overall functions of a medium to large-sized branch office including credit quality, loan servicing, business development, and personnel administration. Has a high level of delegated authority and some supervisory responsibility, but a majority of duties are related to loan making. Has considerable latitude for decision making in the implementation of association goals.

ESSENTIAL FUNCTIONS:

• Responsible for goals and objectives for the assigned branch office and its employees and delegates authority as appropriate to carry out the goals and objectives.
• Motivates, evaluates, and provides training for branch office employees.
• Consults with upper management concerning staffing needs.
• Promotes the association by maintaining good public and member relations.
• Generates new loan business, services existing loans, and manages the loan portfolio of assigned office.
• Completes loan analyses within the guidelines and policies of the association.
• Processes and approves loan requests within the limits of delegated authority and in accordance with association guidelines.
• Prepares and submits loan requests that exceed delegated lending authority to the appropriate management level along with recommendation for approval or rejection.
• Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
• Complies with proper credit administration practices as outlined in the association's policies and procedures.
• Determines the eligibility and scope of financing for all new loans and ensures verification of assets and liabilities.
• Secures background and credit history on new loans, repeat loans and renewals.
• Provides for evaluation of loan collateral in accordance with association policies and procedures.
• Ensures proper lien perfection on all collateral.
• Maintains awareness of agricultural trends and business activity, FCA regulations, and legal obligations.
• Ensures branch office operations comply with applicable policies, regulations, and laws.
• Prepares reports as required by association management, the Board of Directors, and regulatory bodies.
• Coordinates the implementation of advertising and marketing programs.
• Performs collections and management of branch offices, adverse assets including acquired property as required to minimize potential loss to the association's acquired property as required.
• Responsible for day-to-day operations of the branch.

SKILL REQUIREMENTS:

• Specialized knowledge of banking administration and accounting policies, procedures, reports, guidelines, and banking regulations.
• Specialized knowledge of financial analysis and asset/liability management.
• General knowledge of accounting/financial systems.
• Specialized knowledge of accounting/finance principles.
• Skill in oral and written communication.
• Intermediate skill level in Microsoft Office applications.
• Ability to perform intermediate-level accounting/financial analyses.

BENEFITS:

• An outstanding company-wide incentive program
• Accommodating and flexible vacation and sick leave
• 10-12 paid holidays per year
• 401(k) plan with up to a 9% employer contribution/match
• Affordable health, dental, and vision plans
• Employer paid life insurance and disability
• Tuition reimbursement

AA/EOE/M/F/D/V