Loan Officer

Why should you join our team?

American AgCredit offers a unique opportunity to be a part of a national financial system supporting those who feed, clothe and fuel the world. We are a growing organization embracing collaboration and innovation while delivering transformative solutions. American AgCredit provides a cultivating environment where you truly make a difference for our customers and teams.

Benefits offered by American AgCredit:

• Commitment to agriculture and the communities we serve
• Family friendly work environment
• Investment in employee development
• Medical, Dental and Vision coverage
• Outstanding 401k - automatic 3% employer contribution, plus match up to 6%
• Generous Paid Time Off (Vacation accrued at 21 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time)
• Competitive Incentive Compensation Plan
• Disability & Life Insurance
• Employee mental, physical, and financial wellness programs
• The position is bonus eligible based on association and personal performance

Position will be posted until filled.

BASIC FUNCTION:

We are seeking a results-driven Loan Officer specializing in agricultural lending to join our team. This role focuses on originating, structuring, and approving credit solutions for business and agricultural clients.

The ideal candidate brings strong financial acumen, experience in credit analysis, and a proven ability to manage lending relationships from origination through approval and servicing. This position has individual lending authority of up to $1 million, providing the opportunity to directly impact client success and portfolio growth.

Please note: the internal title of this role is Relationship Manager for our Retail Channel

This role offers a great opportunity to significantly contribute to innovation that has high impact, and that creates tremendous value within the division and association.

ASSOCIATE RELATIONSHIP MANAGER ESSENTIAL FUNCTIONS:

• Largely focused on lead and referral conversion from internal and some external sources to generate new business
• Works with leaders and sales teammates to identify key relationships and activities to defend core business and establish relationships with existing customers
• Engaged in trade and community events in partnership with marketing and sales teammates to represent AAC and build a personal network of referral resources
• Reviews entity structures to determine appropriate liability and signing requirements of applicants
• Developing and applying an understanding of financial statements and tax returns in order to accurately calculate and enter financial metrics
• Acts as final approver when customer request fits scorecard assisted underwriting metrics, or partners with underwriting team on requests requiring additional review
• Follows up with auto-renewals to verify appropriate line commitment and usage, along with any other operational changes of the customer
• Monitors and communicates with past due customers to facilitate receipt of payment
• Utilizes CRM system to maintain quality data and track sales process
• Develops a knowledge of broad and local area risks associated with agricultural industries and commodities being financed
• Able to navigate and overcome objections regarding fees, rates, and product terms while completing transactions
• Demonstrated ability to assess multiple tasks or issues which are competing for a limited amount of time or resources and determine the order in which each will be addressed; sets priorities, goals, and timetables to achieve maximum productivity
• Takes initiative for learning and development by acquiring and refining of technical and professional skills needed in job related areas; proactively seeks performance feedback and identifies approaches to improve own performance
• Interacts and communicates regularly and effectively with leadership and staff within the Retail Channel and across the association
• Performs other duties as assigned

RELATIONSHIP MANAGER ESSENTIAL FUNCTIONS: (in addition to above)

• Solutions Expert: knows and understands the products that AAC can offer to our customers including those of our product partners
• Fosters new business by cultivating and maintaining relationships, discovering needs, and providing new solutions to our customers
• Develops new business through data driven insights, and by providing expertise and involvement in key community and industry functions
• Qualifies and converts Retail Leads from various sources
• Reviews entity structures to determine appropriate liability and signing requirements
• Collects, analyzes, and enters financials with accuracy in order to assure sound credit decisions
• Acts as final approver when customer request fits scorecard assisted underwriting metrics, and works with underwriting team to recommend approval of requests requiring additional review
• Creates fee and rate offerings that achieve Association profitability targets while remaining competitive within respective markets
• Follows up with auto-renewals to verify appropriate line commitment and usage, along with any other operational changes of the customer
• Monitors and communicates with past due customers to ensure timely payment with the ability to identify and address potential distress

• Utilizes CRM system to maintain quality data and track sales process
• Knowledgeable in broad and local market area risks associated with agricultural industries and commodities being financed
• Focus on providing excellent customer service through outstanding communication skills
• Demonstrated ability to assess multiple tasks or issues which are competing for a limited amount of time or resources and determine the order in which each will be addressed; sets priorities, goals, and timetables to achieve maximum productivity
• Takes initiative for learning and development by acquiring and refining of technical and professional skills needed in job related areas; proactively seeks performance feedback and identifies approaches to improve own performance
• Interacts and communicates regularly and effectively with leadership and staff within the Retail Channel and across the association
• Performs other duties as assigned

LEVELS OF SUPERVISION EXERCISED AND RECEIVED:

Makes independent decisions within Retail Banking Designated Loan Area. Works under the supervision of the Director of Retail Banking.

TYPICAL EDUCATION AND EXPERIENCE:

Retail Relationship Manager

• AA/AS degree with emphasis on agribusiness, business administration, finance or equivalent; BA/BS preferred.
• Minimum of 3-7 years of progressively responsible banking or related agriculture lending experience.
• Thorough knowledge of legal requirements, FCA regulations, association, and district policies and procedures. Ability to interpret and apply complex policies and procedures.
• An in depth understanding of the product offerings of American AgCredit and thorough understanding of the external marketplace.
• Ability to use software and information technology to collect, organize, retrieve, maintain and disseminate information. Ability to use technology in new or complex situations.

ESSENTIAL REQUIREMENTS:

Must have the ability to perform basic office tasks and work in a typical office setting. Employee will be sitting for extended periods of time and accomplishing work at a desk and work at a computer for an extended period of time. Must have strong written and verbal communication skills to adequately convey ideas and work well with a team. Ability to talk and hear, sit and use their hands and fingers, and reach in all directions is essential in performance of the job. Some lifting and moving of items up to 25 pounds required. Work during established business hours and may require occasional weekend and/or evening work.

PART-TIME REMOTE/HYBRID: These employees will work partly remote and partly onsite. Part-time remote employees will work with their managers to determine when and how often they are needed onsite.

PAY RANGE:

Minimum $89,848.42 - Max $156,560.87 Annual

This range is reflective of the national salary average for this position and will be adjusted using geographic variance for physical location of the hired candidate. American AgCredit may compensate outside of the salary range for bona fide reasons not related to membership in a protected class.

• Reflected is the national base pay range and title offered for this job at the current level.

• Compensation, title, and job level may be adjusted based on candidate qualifications including but not limited to achievements, skills, experience, or work location.

• Salary offered, within the applicable range, is one component of the total rewards package offered to candidates.

All hiring is contingent on eligibility to work in the United States. We are unable to sponsor or transfer visas for applicants .

American AgCredit provides equal opportunity in employment to all employees and applicants. We celebrate diversity and do not discriminate on the basis of race, color, creed, religion, national origin, ancestry, alienage or citizenship status, age, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or related medical condition, military service or veteran status, victims of domestic violence, or any other characteristics protected by applicable federal, state, or local laws. American AgCredit prohibits harassment of any individuals on any of the bases listed above.

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