Job Description

GROWMARK FS is headquartered in Milford, Delaware with branches in New York, New Jersey, Maryland, Delaware, Pennsylvania, and Virginia. GROWMARK FS has about 500 employees (including seasonal workers) and approximately 13,000 customers. The cooperative does business in seed, agronomy, energy, crop protection, precision agriculture, and custom application. GROWMARK FS is part of the GROWMARK System, an agricultural cooperative serving more than 100,000 customers across North America and Ontario, Canada.
PURPOSE AND SUMMARY STATEMENT

• Responsible for providing leadership in Agri-Finance, credit administration, and marketing of credit programs as a sales tool.

SUPERVISION & LEADERSHIP

• Supervises, leads, and develops assigned staff through effective planning, coaching, and communicating performance expectations & standards, to achieve maximum growth, profitability and customer satisfaction.

ESSENTIAL JOB FUNCTIONS

• Follows and implements GROWMARK FS credit policies.
• Investigates and verifies financial status and reputation of prospective customers applying for credit, preparing documents to substantiate findings, and recommending rejection or approval of applications.
• Establishes credit limitations on consumer accounts and handles special credit arrangements and deviations from standard terms of payment.
• Reviews collection and accounts receivable reports to ascertain status of collections and balances outstanding and to evaluate effectiveness of current collection policies and procedures.
• Audits delinquent accounts considered to be uncollectible to ensure maximum efforts have been taken before assigning bad debt status to account.
• Coordinates with others, including personnel in company branches, to exchange information and update controls.
• Participates in taking applications for financing and requests specified information for loan application.
• Leads a staff that:

• Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicants' evaluation.
• Analyzes applicant's financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.
• Corresponds with or interviews applicants or creditors to resolve questions regarding application information.
• Compiles loan package and facilitate negotiation of loan structure with applicants, including fees, loan repayment options, and other credit terms.
• Approves loan within specified limits or refers loan to a loan committee for approval.
• Ensure loan agreements are complete and accurate according to policy.
• Assures timely loan completion and funding activities.
• Collaborate with third party organizations to implement commercial financing programs.
• Coordinate with customer service team to administer credit functions to customer accounts and ensure compliance with GROWMARK FS credit policies.
• Coordinates with the GROWMARK FS General Counsel Division and outside counsel on delinquent account collection.
• Identifies and analyzes potential loan marketing options to develop prospects for operating loans.
• Advises management of external factors that may affect lending policies, such as new or revised legislation and regulations. Recommends and implements appropriate changes to established policies and procedures.
• Promotes and cross-sells other company products and services as appropriate to customer requirements.
• Provides loan data to support marketing and sales promotion programs.

OTHER JOB FUNCTIONS

• May submit delinquent accounts to attorney or outside agency for collection.
• Follows GROWMARK's Code of Conduct and Corporate Compliance Program, Environmental Health and Safety, OSHA and DOT policies and procedures, as they apply.
• Performs all other duties as assigned.

REQUIREMENTS

• Normally requires a bachelor's degree in accounting or finance; or the equivalent thereof, and at least 3 years of accounting or finance related area to demonstrate financial leadership, organization, planning and problem solving skills.
• Prefer an understanding of GROWMARK System credit administration. The ideal candidate will be familiar with commercial lending to agricultural producers.
• Demonstrated essential abilities including business knowledge, collaboration, communication, customer focus, decision making and skill development.
• Must have and maintain a valid driver's license and satisfactory driving record. Must be able to travel independently and overnight.
• Must be able to work extended hours beyond those considered "normal."
• Ability and willingness to participate in required training that may include education on GROWMARK's policies and procedures and additional training as it relates to the requirements of the position.

We are an equal opportunity/Disabled/Protected Veteran Employer. All individuals, regardless of demographic or other background, are encouraged to apply. Further, as a federal, state, and local contractor, we comply with government regulations and executive orders as applicable, including affirmative action responsibilities for qualified individuals with disability and protected veterans.
Employment is contingent on, among other things, receipt of an acceptable and job-related background check, drug test, motor vehicle report, and/or reference check, as applicable and permissible by law.

Skills Required