Rural 1st Loan Officer - Southern California
Company: Disability Solutions
Location: Santa Rosa
Posted on: May 3, 2024
Job Description:
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 11 years. At Farm Credit Mid-America we put
our customers and team members at the heart of all we do. SCHEDULE:
Full Time TRAVEL REQUIRED: 50% - 75% COMPENSATION: $57,361.00 to
$119,842.00 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 OpportunityOur Rural 1st Loan Officer is a sales
position primarily responsible for building relationships with
business contacts and customers in the consumer market segments.
Depending on experience, an individual may be hired as a senior
level. Our Rural 1st Loan Officers use knowledge of the consumer
marketplace, products and finance to fully understand our
customer's or prospect's business and personal plans and then
markets the Farm Credit Mid-America financial services that best
meet the needs. This role has the responsibility for originating
credit to 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,
the Loan Officer partners with our analysts and underwriters for
final decision. Having a constant focus on customer relationships,
Rural 1st Loan Officers partner with internal teams to serve the
customer's loan, lease, crop insurance and servicing needs. How You
Will Spend Your TimeSales and Relationship Management
- Develops and maintains significant professional presence that
yields sales increasing our Association's market share in the
assigned territory.
- Builds professional relationships with customers, prospective
customers and influencers based on mutual trust and respect.
- Gain understanding of customer goals, credit strengths and
weaknesses to deliver "value added"/constructive financial
information to the customer.
- 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 the customer's loan and
servicing needs
- Communicates to the customer and to internal team members
regarding the customer's needs.
- Introduces customers to the Association's process and the
retail service team that will support the process.
- Represent and communicate our mission and values and abide by
our conduct policy, security policy and confidentiality
expectations. Deliver Sound Credit
- Gather and document customer financial information and
application details, in compliance with lending requirements and in
coordination with Rural 1st Processing Specialist
- Interpret and evaluate financial information and ask
appropriate follow-up and probing questions to determine the
appropriate product or service.
- Recommend loan terms, conditions, and collateral position
consistent with the request and associated loan risks, and then set
clear expectations with the customer, and document pertinent
customer information in Relationship.
- Communicate credit decisions, loan terms and conditions to the
customer. Service Portfolio
- Manage the disbursement process in home loan construction
projects
- Partner with Country Home Loan Specialist- to complete
servicing actions required for individual customer
circumstances
- Partner with Customer Support Specialist- to monitor the
portfolio for timely identification and service loans that expose
the association to risk.
- Negotiate and communicate these options to the customer, and
may partner with the Special Accounts Loan Officer for resolution.
Minimum Education & ExperienceBachelor'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 RequirementsFarm 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 .Farm Credit
Mid-America is an Equal Opportunity Employer and all qualified
applicants will receive consideration for employment without regard
to race, color, religion, sex, national origin, veteran status,
disability or any other category protected by law. #LI-REMOTE
Nearest Major Market: Santa Rosa Nearest Secondary Market:
Petaluma
Keywords: Disability Solutions, Novato , Rural 1st Loan Officer - Southern California, Other , Santa Rosa, California
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