Loan Officer Trainee

Company: Farm Credit Council
Location: Macon
Posted on: March 14, 2023

Job Description:

At FCS Financial, part of the nationwide Farm Credit System, we are looking for a Loan Officer Traineeto join our Team! FCS Financial is a member of the largest agriculture lending cooperative in the United States today. At FCS, we seek individuals who share passion for agriculture, rural living and helping people achieve their goals and dreams! FCS Financial is seeking an independent, competitive, pro-active individuallooking to build relationships with new and existingcustomers! If you are looking for an opportunity to start your career in agricultural lending, this position is for you!

In the Loan Officer Trainee position, you will work closely with other Loan Officers to focus on marketing, originating and servicing agricultural financial products, and providing agricultural and financial expertise to customers and prospects while building strong relationships with these individuals! You are also able to combine your agricultural and business knowledge with an in-depth understanding of each customer's current needs in order to provide innovative and workable alternatives to solve problems the customer faces in their ongoing business operations. You will also cross train with different positions within the Association, such as the Sales, Credit, or Crop Insurance!

Don't miss out on this opportunity to take your lending career to the next level, apply now! FCS will help provide the tools and resources needed to learn!

Initial training locations for the Loan Officer Trainee position may include: Columbia, Higginsville, Macon, Sedalia, and Springfield. (A permanent location will be identified after the trainee period is complete. Permanent location can be located within any of our branch office locations.)

This position is classified as Non-Exempt under the Fair Labor Standards Act.

This position is open until filled.

Department:Marketplace

Reports to:Vice President, Team Leader, Traditional/PT Farmer

Supervises:None

Responsibilities/Duties

Loan Eligibility

• Meets with current and new customers to gather, update, and review financial and scope of operation information to determine eligibility
  
• Completes the Farm Credit Services (FCS) application workbook in order to submit to the credit department
  Marketing and Sales
  
  
  • Represents and promotes FCS Financial at agricultural organization meetings and events
    
  • Attends auctions and sale barns to promote FCS services and products
    
  • Determines appropriate sales approach for potential or current customers
    
  • Determines potential customer base and sales opportunities by prospecting and making cold calls
    Communication
    
    
    • Contacts internal resources (credit, appraisal, crop insurance, customer service) to coordinate activities ensure customer needs are met
      
    • Contacts external resources (FSA, title companies, surveyors, legal counsel, appraisers, CPA's) to coordinate activities and ensure customer needs are met
      Chattel and Collateral Valuations
      
      
      • Determines value of chattel (cattle, crops, machinery) and collateral (real estate) using external resources such as websites, local grain market, livestock facilities, and the internal appraisal manual for real estate
        Training
        
        
        • Attends loan officer development training courses
          Loan Closing
          
          
          • Determines location for loan closing and coordinates schedules to ensure loan closing time and location meets customer needs.
            Other duties as assigned to meet the needs of the organization.
            
            Scope of Responsibilities:
            
            Responsibility
            
            Measure
            
            Portfolio Size
            
            Up to $35M
            
            
            
            Required Skills
            
            Minimum Qualifications
            
            
            • Bachelor's degree in agriculture, business or a related field
              
            • Willing to relocate
              
            • Or an equivalent combination of education and experience sufficient to perform the essential functions of the job
              Required Knowledge and Skills
              
              
              • General knowledge of the sales process
                
              • General knowledge of negotiating tactics
                
              • General knowledge of marketing strategies
                
              • General knowledge of financial services industry
                
              • General knowledge of the agricultural industry
                
              • General knowledge of basic accounting principles
                
              • Skill in negotiating agreements to achieve the best outcome for the organization
                
              • Skill in using Microsoft technologies including e-mail, word and spreadsheet processing
                
              • Skill in listening and conveying awareness of a customer's problem or issue to find resolution
                
              • Oral and written communication skills sufficient to discuss a variety of job-related topics, and to effectively communicate complex topics to a variety of audiences
                
              • Responsible to appropriately protect the confidentiality, security, and integrity of the Association's systems and data and clients' data
                

Keywords: Farm Credit Council, Columbia , Loan Officer Trainee, Other , Macon, Missouri