Job Description

BASIC FUNCTION:

Markets and originates qualified rural residential and lifestyle loans. Develops business development strategies that target potential Association customers and other influencers that may be a source of referrals for qualified residential and lifestyle loans. Maintains effective supervision of loans through sound loan administration to ensure Association position. Markets the Association by being a source of referrals for other lending segments of the Association.

REPORTS TO: Regional Lending Manager

SUPERVISES: None

MINIMUM QUALIFICATION:

EDUCATION: Two years of secondary education and two years of related experience preferably in the lending or legal field.

EXPERIENCE: Four years of work experience preferably in the lending or legal field.

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:

- Skill in networking, generating leads, and making sales calls and proposals for new business. Products.

- Knowledge of laws, regulations, principles, procedures, and credit practices in the Farm Credit System and the Association with an emphasis on consumer credit.

- Complete knowledge of Association residential / lifestyle lending loan products

- Ability to communicate effectively with various parties to a residential loan transaction

- 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."

40% 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.

35% 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.

25% 3. Develops a marketing strategy to ensure multiple PR and Community Events are attended and utilized for networking opportunities to result in more exposure for the Association. Loan closings are consistently increasing throughout the year. Takes action to become 1% better through professional development.

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-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address.