Consumer Lending Officer

Overview

AgCountry Farm Credit Services (AgCountry), Farm Credit Services of America (FCSAmerica) and Frontier Farm Credit are financial cooperatives that operate under shared management across eight states. While each association is owned by its local farmers and ranchers, they collaborate by pooling resources, expertise, and talent to provide affordable credit, crop insurance, and financial services. Our associations are united by a common mission and commitment to serving rural America and supporting each other, which drives the success of the farmers, ranchers, and agribusiness we serve.

We take pride in being a great place to work, and this enthusiasm is reflected in the relationships our team members foster with one another and with our customers.

Job description:

AgCountry Farm Credit Services (AgCountry), Farm Credit Services of America (FCSAmerica) and Frontier Farm Credit are financial cooperatives that operate under shared management across eight states. While each association is owned by its local farmers and ranchers, they collaborate by pooling resources, expertise, and talent to provide affordable credit, crop insurance, and financial services.

Our associations are united by a common mission and commitment to serving rural America and supporting each other, which drives the success of the farmers, ranchers, and agribusiness we serve. We take pride in being a great place to work, and this enthusiasm is reflected in the relationships our team members foster with one another and with our customers.

Incumbent can work from one of the following offices in the AgCountry footprint:
Fargo, Grand Forks, Jamestown or Minot in North Dakota.

We are seeking a Consumer Lending Officer specializing in purchase, refinance, construction loans and all consumer loans for our organization. Responsible for marketing the consumer lending product and building strong working relationships with business contacts. Provide knowledge of the consumer marketplace, available products, and finance to fully understand the applicant(s) current and future needs and financial position to present the options that best meet their needs.

You will be responsible for originating credit to his/her customers by assessing the request and obtaining business and financial information needed to determine the viability and profitability of the deal. You will be asked to lead the customer relationship and oftentimes coordinate with others to serve the customer’s loan, lease, crop insurance, and servicing needs.

SALES and RELATIONSHIP MANAGEMENT: Develop and maintain a professional presence and use effective sales and relational strategies to increase the Associations’ consumer market share in the assigned territory. This includes:

• Engagement in marketing and promotional activities throughout the assigned territory to support sales goals; maintain professional relationships with appropriate influencer groups, home mortgage professionals and organizations.

• Determine and define the appropriate customer interaction and coordinate the appropriate support of resources that may directly or indirectly provide service to the applicant(s). Effectively communicate with the applicant(s) and appropriate team members regarding the request.

• Introduce applicant(s) to teammate(s) who will support the process.

• Actively engage with support team members including daily processing and servicing of credit and participating in training, development and relationship building activities.

DELIVER SOUND CREDIT: In support of originating credit requests, the officer will:

• Gather and document customer financial information and application details, in compliance with consumer lending requirements and in coordination with appropriate team members.

• Assist customers in preparing an accurate list of assets and liabilities to establish current balance sheets as needed.

• Interpret and evaluate financial information and ask probing questions to determine the appropriate product or service needs of the applicant(s).

• Recommend loan terms, conditions, collateral position consistent with the request and associated loan risks and set clear expectations with the applicant(s).

• Communicate credit decisions, loan terms and conditions to the customer; resell deal as needed if terms change.

• Coach and counsel customers to meet future financial goals.

SERVICE PORTFOLIO: Provide the following ongoing service and support:

• Provide oversight and monitoring of construction projects; coach and counsel when cost overruns apply.

• Review property inspections according to procedures.

• Percentage of time required to travel during the day - 50%
• Percentage of time required to travel overnight - 15%

• Bachelor's degree, Real Estate, Business, Finance or Economics or related field is preferred

• 2+ years of experience, Real Estate, Business, or Finance

• Registered with the Nationwide Mortgage…