Loan Officer- La Junta, CO
Company: Farm Credit Council
Location: Colorado Springs
Posted on: May 24, 2023
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Job Description:
Farm Credit of Southern Colorado (FCSC) is seeking a Loan
Officer to join our team. The chosen candidate will be an exempt
employee who develops and maintains relationships with borrowers,
identifies financial tools which provide value to borrower's
business, gathers complete loan applications, initiates loan
origination and servicing processes, reviews credit write-ups,
decisions loan actions within individual and team authority levels,
and services financial loans.
Today, the Farm Credit System is one of the strongest, most
financially sound lending institutions in the U.S. Its 67
institutions serve our country's farmers and ranchers, rural
America and agribusiness.
Organizational Information
As one of the Farm Credit System's associations, Farm Credit of
Southern Colorado is a robust organization serving 1,300 member /
owners in 31 counties throughout Southern Colorado. Over $1 billion
in assets, Farm Credit of Southern Colorado's approximately 80
staff members bring strength to its shareholders and
communities.
Farm Credit of Southern Colorado is a member-owned cooperative that
provides a wide range of financial products and risk management
services for agricultural producers, agribusinesses, and farmland
and rural homeowners. FCSC strives to provide a culture and
environment that values fun, integrity, respect, service and
trust.
Position Summary:
The Loan Officer will be responsible for achieving growth of loan
portfolio in assigned territory through professional marketing and
visibility, while creating and maintaining existing lending
relationships. They will also be able to identify opportunities to
create new relationships by leveraging Agricultural producer
networks and referrals to build relationships to achieve business
results. The chosen candidate must be able to communicate the value
of Association products and of doing business with Farm Credit.
The Loan Officer processes, analyzes, and services a moderate to
high volume of mortgage and commercial loans of various sizes.
Works collaboratively with functional teams within the
organization.
Our ideal candidate values relationships, respects the knowledge
and talents of others, and works as part of a professional team to
provide high quality customer service.
Essential Responsibilities:
Marketing and Relationship Management
* Creates and maintains relationships with borrowers
* Identifies opportunities to create new relationships
* Communicates value of Association products and services to new
and existing borrowers
* Hosts events for new and existing borrowers
* Attends conferences and events to market to new and existing
borrowers
Loan Origination and Renewals
* Interviews and gathers application information from borrowers
* Initiates origination and servicing processes in loan
software
* Enters customer information, loan details and financial
information into loan software
* Delegates work to Credit Support Specialists
* Collaborates with supervisor and peers to discuss options
available for borrowers
* Contacts external parties to finalize details for loan
closing
* Orders and reviews appraisals
* Informs borrowers of loan decisions
Credit Analysis
* Verifies completeness and accuracy of loan package and financial
information presented by borrowers
* Reviews financial analysis and credit write-ups
* Identifies risk rating
* Approves loans within individual and team authority levels
* Refers loans outside credit authority levels to the Central Loan
Committee
Loan Closing
* Reviews loan documents prior to closing
* Administers loan closings to ensure complete execution of loan
documents
* Delivers executed documents to Operations Team
Portfolio Monitoring and Servicing
* Monitors loan portfolio for customer delinquency
* Addresses loan delinquency according to established policy and
procedure
* Responds to customer requests and questions related to loans
* Collects annual financial information and initiates annual
financial reviews
* Evaluates borrower collateral/chattel annually
* Approves servicing actions within delegated authority
Chattel Evaluations
* Inspects and evaluates collateral to identify condition,
accessibility and marketability
* Researches comparable sales
* Documents findings
* Coordinates chattel inspections & appraisals with Appraisal
department
Education
* Completes continuing education related to credit philosophies,
policies and procedures, and regulations
* Completes training regarding Association or software/hardware
changes
Data Security and Confidentiality
* Appropriately protects the confidentiality, security, and
integrity of the Association, employees, borrowers, and other
stakeholders
Qualifying Characteristics:
Seniority and accompanying compensation will be dependent upon
level of experience and knowledge.
Farm Credit of Southern Colorado is an Equal Opportunity Employer
dedicated to diversity in the workplace and offers a great work
environment. All qualified applicants will receive consideration
for employment without regard to race, color, religion, sex,
national origin, disability, or protected veteran status.
The following information is disclosed in compliance with the
Colorado Equal Pay for Equal Work Act. Similar positions applied
for outside of Colorado will not necessarily receive the same
compensation.
Salary Range: $51,000-150,000
This range is a good-faith and reasonable estimate of the range of
possible compensation at the time of this posting. Actual salaries
could vary and may be above or below the range as permitted by
Colorado Equal Pay Transparency Rule 4.1.2. Variation is based on
various factors including but not limited to location,
qualifications, experience, operational needs and other
considerations permitted by law. In compliance with the Colorado
Equal Pay for Equal Work Act, a potential new employee's salary
history will not be used in compensation decisions. In addition,
benefits for this position include medical, dental, vision and life
insurance, 401k, tax advantage accounts, paid vacation, sick leave
and parental leave.
FINAL DATE FOR APPLICATION: December 29, 2022.
PLEASE EMAIL RESUME AND COVER LETTER TO:
Keywords: Farm Credit Council, Colorado Springs , Loan Officer- La Junta, CO, Other , Colorado Springs, Colorado
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