Job Description

HR Consulting Solutions, LLC is an international executive search firm that has been retained by River Valley AgCredit to conduct a search for a

Loan Officer to work alongside their team in

Cleveland, TN.

LOAN OFFICER POSITION SUMMARY

Develops new business and expands existing relationships in both the Ag Segment and Country Mortgage Segment. Calls on potential customers, identifies credit needs, secures financial data for analysis, and makes proposals for new business. Makes sales calls to achieve Association-established goals. Maintains knowledge of Association products and services as well as knowledge of the industries in the market area served. Explains loan options, rates, loan fees, terms, and collateral requirements to loan prospects. Maintains effective supervision of loans through sound loan administration to ensure Association position. Seeks a high level of visibility to the target lending market within the assigned territory. Markets the Association by being a source of referrals for the other lending segments of the Association. Promotes financially related services to all current and prospective members.

PRIMARY WORK LOCATION

Cleveland, TN

REPORTS TO

Regional Lending Manager

SUPERVISORY RESPONSIBILITIES

None

MINIMUM EDUCATION AND EXPERIENCE

Bachelor's degree in business administration, Ag Economics, Agriculture, Finance, or related field. Knowledge in areas of farm management and agricultural finance strongly preferred.

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.

PREFERRED QUALIFICATIONS

Knowledge of laws, regulations, principles, procedures, and credit practices in the Farm Credit System and the Association. Mortgage finance knowledge . Skilled in making sales calls and proposals for new business. Superior knowledge of Association products. Excellent skills in judgment, leadership, initiative, and organization. Experience providing referrals to other lending segments.

MINIMUM POSITION RESPONSIBILITIES

Position responsibilities averaging approximately 60% of the workload:

Develops new business and expands existing relationships in both the Ag Segment and Country Mortgage Segment. 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 Regional Lending Manager to remain within the marketing budget.
Position responsibilities averaging approximately 40% of the workload:

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.

BENEFITS OF WORKING WITH US

Competitive Salary Performance Based Bonus (Incentive Pay) Generous PTO (Vacation and Sick Time) 12 Paid Holidays Medical, Dental, and Vision Insurance 401K Retirement Benefits (3% automatic contribution plus up to 6% match; 9% total) Company Provided Life Insurance Disability Coverage
Job Type: Full-time

Benefits:

401(k) 401(k) 9% Match 401(k) matching Dental insurance Employee assistance program Flexible spending account Health insurance Life insurance Opportunities for advancement Paid time off Retirement plan Vision insurance
Application Question(s):

What is your highest level of education? This position is located in Cleveland, TN. Do you live within a commuting distance to this branch location? Do you hold a Bachelor's degree in Business Administration, Agriculture, Ag Economics, Finance, or a related field? How many years of experience do you have in lending, loan origination, or credit analysis? Have you ever worked with agricultural or rural lending (e.g., farm loans, ag business loans, or country mortgages)? Do you have any experience making credit decisions within a delegated authority or presenting loan packages for approval? What types of loans have you primarily handled? (Examples: consumer, mortgage, commercial, agricultural, etc.) Do you have experience ensuring compliance with lending policies, credit standards, and regulatory requirements? What loan origination systems or financial software platforms have you used in previous roles? The starting compensation for this role is approximately $50,000 annually, plus bonus and a comprehensive benefits package. Is this within your acceptable salary range? Employment with River Valley AgCredit is contingent upon successfully passing a background check and pre-employment drug screen. Would you have any concerns about completing these requirements? Thank you for taking the time to complete our pre-screening questionnaire. Please tell us a little about YOU!
Work Location: In person