Loan Officer

JOB DESCRIPTION JOB TITLE: Loan Officer LOCATION: Ruston, LA SALARY: Commensurate with Experience We are looking for a relationship-driven Loan Officer who blends financial expertise with a genuine commitment to serving the agricultural community, thriving on building strong partnerships throughout their territory and always seeking opportunities to help borrowers grow, solve problems, and move forward with confidence. They bring a strong sense of integrity, clear communication skills, and a customer‑first mindset‑representing Southern AgCredit with professionalism in every interaction‑and are motivated to grow business, support their community, and contribute to a team dedicated to exceptional service. MINIMUM EDUCATION AND EXPERIENCE REQUIREMENTS Bachelor's degree in Business Administration, Finance, Agricultural Economics, or a related field, or equivalent experience and two (2) or more years of experience as a loan officer or loan officer trainee. ESSENTIAL FUNCTIONS Responsible for developing and marketing new business within their service area. Assists prospective and current borrowers with their credit needs and with formulating solutions to credit related issues. Makes and services leases, loans for operating equipment and real estate, and offering other related services such as cash management products and crop insurances within delegated authority and in accordance with association policies. Makes and/or conveys decisions on loan approval, structure and pricing. Responsible for exercising credit risk management responsibilities on loans within area of responsibility. Conducts simple to moderately complex credit analyses. Analyzes balance sheets, income statements, and cash flows of potential borrowers to ascertain creditworthiness. Maintains current, adequate and verified financial information on borrowers and guarantors as required by association policy. Performs loan servicing tasks, which may include partial releases, subordinations to mineral leases and right of ways, division orders, amortizations, assumptions, severance agreements, insurance claims, additional advances, extensions and conversions. 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. Performs collections on assigned loans and assists senior‑level staff and management with collections on all loans in the portfolio. Works with delinquent borrowers to obtain satisfactory loan performance. Assures that adequate insurance coverage is maintained as required by loan conditions and monitors ad valorem taxes to ensure that such taxes are paid on the security. May assist with the title examination process on perspective loans to ensure validity of liens on property pledged as collateral or security interest on chattels. Prepares loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA policies and regulations. OTHER DUTIES May perform appraisals, inspections and/or collateral evaluations in compliance with district and Association standards and procedures. May assist with or attend public relations functions for the Association. SKILL REQUIREMENTS General knowledge of accounting/financial systems. Specialized knowledge of accounting/finance principles. Skill in oral and written communication. Basic skill level in Microsoft Office applications. Ability to perform basic to intermediate‑level accounting/financial analyses under moderate supervision. PHYSICAL ACTIVITIES Ability to sit for long periods of time. Ability to stand for limited periods of time. Ability to walk for moderate distances. Frequent finger/hand manipulation (e.g. keyboard, office equipment, small hand tools, etc.). Occasional lifting, carrying, pushing, and/or pulling while exerting up to 50 pounds of force. Southern AgCredit, ACA is an EEO/AA/M/F/D/V Employer ABOUT US If you're looking for an exciting and dynamic career in the agriculture and finance industry, Southern AgCredit is the place for you. When you work here, you have an opportunity to make a difference for agriculture and rural communities while elevating your career. Southern AgCredit is a full-service, locally owned cooperative lender specializing in financing rural land and agricultural operations in Mississippi and Louisiana. We serve the fifty most southern counties in Mississippi and eleven parishes in Northwest Louisiana. From the Gulf Coast to the Ark-La-Tex, we provide financing solutions for a wide array of operations, including loans for land, improvements, agribusinesses, country homes, operating capital, livestock and equipment. Southern AgCredit is home to the largest portfolio of Mississippi rural real estate loans with over $1 billion in total assets. Southern AgCredit understands our employees are our greatest assets. We are dedicated to fostering an engaged workplace that makes every employee feel valued, appreciated and heard. We offer competitive compensation and benefit packages for full time employees including: Performance sharing plan Vacation leave, sick leave and paid holidays Comprehensive benefits package including medical, dental, vision, and life insurance Flexible spending and health savings accounts Generous 401(k) matching contributions, as well as additional employer contributions Reimbursement for approved higher education pursuits Advancement opportunity Training and leadership development We appreciate your interest in employment opportunities with Southern AgCredit and wish you success in your career. #J-18808-Ljbffr Southern AgCredit