Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences.

Farm Credit Mid-America is a great place to work! We have been named as a Best Places to Work in Kentucky for the past 12 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do.

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COMPENSATION: [[salaryMin]] to [[salaryMax]] base salary plus potential annual uncapped incentive based upon sales production. Base pay is determined by your skills, qualifications, experience, and location. Farm Credit Mid-America/Rural 1st may compensate outside of the salary range for bona fide reasons not related to membership in a protected class.

About Our Opportunity

Our Rural 1st Loan Officer (RLO) is a sales position primarily responsible for building relationships with business contacts and customers in the consumer market segment. Team member uses knowledge of the consumer marketplace, products and finance to fully understand the customer's or prospect's business and personal plans and then market the Farm Credit Mid-America/Rural 1st financial services that best meet the needs.

This role has responsibility for originating credit customers by assessing the request and obtaining business and financial information needed to determine the viability and profitability of the deal. After initially screening for soundness, submits the information to an analyst, underwriter or scoring system for final decision. Leads customer relationships and often coordinates with others to serve the customer's loan, lease, crop insurance and servicing needs.

How You Will Spend Your Time

Sales and Relationship Management

• Develops and maintains a significant professional presence and yields sales that increase the Association’s market share in the assigned territory.

• Spends most of the time out of the office to build professional relationships with customers, prospective customers and influencers based on mutual trust and respect.

• Using an understanding of customer goals, credit strengths and weaknesses, delivers “value added”/constructive financial information to customers.

• Determines and defines the appropriate customer interaction and coordinates the appropriate staff that may directly or indirectly be a part of the relationship to serve our customer’s loan and servicing needs.

• Communicates to our customer and internal team members regarding the customer’s needs.

• Introduces customers to the Association’s process and the team members who will support the process.

  Deliver Sound Credit

• Gathers and documents customer financial information and application details, in compliance with lending requirements and in coordination with Rural 1st Loan Associates.

• Interprets and evaluates financial information and asks relevant follow-up and probing questions to determine appropriate products or services.

• Recommends loan terms, conditions, and collateral position consistent with the request and associated loan risks.

• Sets clear expectations with our customers, and documents pertinent customer information in association systems.

• Communicates credit decisions, loan terms and conditions to customers.

  Service Portfolio

• Partners with our Rural 1st Construction team on the disbursement process in home loan construction projects.

• Partners with Rural 1st teams to complete servicing actions required for individual customer circumstances.

• Partners with the Customer Care team to monitor the portfolio for timely identification and servicing of loans that expose the association to risk.

• Using knowledge of servicing options, effectively negotiates and communicates options to customers, and may partner with the Special Accounts team for resolution.

Minimum Education & Experience

Bachelor’s degree in agriculture, business or related degree preferred. At least 1 year of successful experience, in trainee role or in a similar field. Generally competent with routine customers who have basic product needs.

Mental & Physical Requirements

While engaged in this position, team members will routinely sit, use hands for tasks, and communicate orally. Standing or walking is frequently required, while occasional demands include reaching with hands and arms, and lifting or moving up to ten pounds. Vision requirements encompass close and distance vision. The work environment typically has a moderate noise level. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem-solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid driver's license, and the ability to drive a long-distance. Reasonable accommodations will be considered for individuals as requested.

Farm Credit Mid-America provides a competitive total rewards package to our team members. This includes an award winning 401(k) Plan. Our Health and Financial wellness benefits provide safety, security and peace of mind for you and your family. Here is a highlight of our Total Rewards and Benefits (https://careers.fcma.com/content/Our-Benefits/?locale=en_US) .

Farm Credit Mid-America is an equal opportunity employer, and all applicants will receive consideration for employments without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other category protected by law.

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