Job Description
JOB DESCRIPTION BASIC FUNCTION:
Develops new business and expands existing relationships. Calls on potential customers, identifies credit needs, secures financial data for analysis, and makes proposals for new business. Makes sales calls to achieve Association-established goals. Maintains knowledge of Association products and services as well as knowledge of the industries in the market area served. Explains loan options, rates, terms, and collateral requirements to loan prospects.
Maintains effective supervision of loans through sound loan administration to ensure Association position. Seeks a high level of visibility to the target lending market within the assigned territory. Markets the Association by being a source of referrals for the other lending segments of the Association. Promotes financially related services to all current and prospective members.
REPORTS TO: Regional Lending Manager
SUPERVISES: None
MINIMUM QUALIFICATION:
EDUCATION: Bachelor's degree in business administration, Ag Economics, Agriculture, Finance, or a related field
EXPERIENCE: Must be knowledgeable in areas of farm management and agricultural finance.
SENSORY AND PHYSICAL REQUIREMENTS:
Must have the ability to read documents from many sources.
Must be able to communicate audibly in and with staff, customers, and the general public.
DESIRABLE QUALIFICATIONS:
- Knowledge of laws, regulations, principles, procedures, and credit practices in the Farm Credit System and the Association;
- Skill in making sales calls and proposals for new business. Superior knowledge of Association products;
- Excellent skills in judgment, leadership, initiative, and organization
- Provides referrals to other lending segments
- Performs other duties as assigned
RESPONSIBILITIES ( the essential responsibilities of the position include, but are not limited to): \"Employees have the responsibility to comply with Standards of Conduct, Privacy, IT Security, etc.\"
60% 1. Develops new business and expands existing relationships. Calls on potential customers, identifies credit needs, secures financial data for analysis, and makes proposals for new business. Makes sales calls to achieve individually established goals. Maintains knowledge of association products and services as well as knowledge of the industries and market area served. Explains loan options, rates, loan fees, terms, and collateral requirements to loan prospects. Makes credit decisions on loans under delegated authority. Recommends actions beyond delegated authorities. Works with the Sales Manager to remain within the marketing budget.
40% 2. Ensures loans are originated and administered in a sound, constructive manner and in accordance with Farm Credit System and Association regulations. All loan actions are adequately evaluated in terms of eligibility and scope, ability to repay as well as any other risk factors. The accuracy and source of facts utilized to arrive at the loan decision are appropriately explained and documented. Maintains effective supervision of loans to ensure the Association's position. Monitors customer financial situation, loan performance, and repayment process. Takes appropriate corrective action as necessary. Average pricing for all loans should yield the maximum gross profit achievable, taking into consideration the market conditions/characteristics for their respective areas.
ABOUT US WHY WORK WITH RIVER VALLEY AGCREDIT?
We're dedicated to providing an excellent work environment for our employees, and it shows. We foster a positive work environment, and we promote rural America values, like working hard and serving your community.
- Competitive compensation
- Excellent benefits package
- Training and development opportunities
- Advancement opportunity through internal job postings
We're always looking for quality candidates who are passionate about agriculture, rural America, and helping people.
VIEW OPEN POSITIONS EQUAL OPPORTUNITY EMPLOYER
We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, gender identity, sexual orientation, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law.
ACCOMMODATIONS
If you need a reasonable accommodation for any part of the employment process, please contact us by email at hr@rivervalleyagcredit.com and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-cas
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