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.<\/p>\n
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Farm Credit Mid-America is a great place to work!\u00a0 We have been named as a Best Places to Work in Kentucky for the past 13 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do.<\/p>\n
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SCHEDULE:<\/strong>\u00a0 Full Time, Hybrid <\/p>\n COMPENSATION:<\/strong>\u00a0$58,795.00\u00a0to\u00a0$122,838.00\u00a0base salary plus potential for variable compensation and additional incentive based upon sales production as defined by the respective incentive plan.\u00a0Base 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.<\/p>\n The Rural 1st Loan Officer (RLO) is a sales position primarily responsible for building relationships with business contacts and customers in the consumer market segment. The RLO will use his or her knowledge of the consumer marketplace, products and finance to fully understand the customer’s or prospect’s business and personal plans and then market the Farm Credit Mid-America\/Rural 1st financial services that best meet the needs.<\/p>\n The RLO has the responsibility for originating credit to their 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 RLO submits the information to an analyst, underwriter or scoring system for final decision. The RLO leads the customer relationship and often coordinates with others to serve the customer’s loan, lease, crop insurance and servicing needs.<\/p>\n This position requires existing NMLS registration under the SAFE Act, or the ability to obtain the same upon hire, and maintenance of a status in good standing during employment.\n<\/p><\/div>\n<\/div>\n SALES and RELATIONSHIP MANAGEMENT<\/strong>: The RLO develops and maintains a significant professional presence that yields sales that increase the Association\u2019s market share in the assigned territory. The RLO spends most of the time out of the office to build professional relationships with customers, prospective customers and influencers based on mutual trust and respect. Using an understanding of customer goals, credit strengths and weaknesses, the RLO delivers \u201cvalue added\u201d\/constructive financial information to customers.<\/p>\n The RLO:<\/p>\n 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\u2019s loan and servicing needs. Gathers and documents customer financial information and application details, in compliance with lending requirements and in coordination with Rural 1st Loan Associates. Partners with the Rural 1st Construction team on the disbursement process in home loan construction projects. Minimum 1 year of sales experience. Effectively assists customers with routine service needs and demonstrates strong capability in handling straightforward product inquiries. Bachelor\u2019s degree in agriculture, business, or a related field is preferred.<\/p>\n<\/div>\n<\/div>\n While engaged in this position, team members will routinely sit, use hands for tasks, and communicate orally. Standing or walking is frequently required, while occasional demands include reaching with hands and arms, and lifting or moving up to ten pounds. Vision requirements encompass close and distance vision. The work environment typically has a moderate noise level. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem-solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid driver’s license, and the ability to drive a long-distance. Reasonable accommodations will be considered for individuals as requested.<\/p>\n<\/div>\n<\/div>\n<\/div>\n
\nTRAVEL REQUIRED:\u00a0<\/strong>\u00a050% – 75%<\/p>\nAbout Our Opportunity<\/b><\/h2>\n<\/div>\n
How You Will Spend Your Time<\/b><\/h2>\n<\/div>\n
\nCommunicates to the customer and to internal team members regarding the customer\u2019s needs.
\nIntroduces customers to the Association\u2019s process and the team members who will support the process.
\nDELIVER SOUND CREDIT<\/strong>: As part of the ongoing consultative relationship with our customers, the RLO:<\/p>\n
\nInterprets and evaluates financial information and asks relevant follow-up and probing questions to determine the appropriate product or service.
\nRecommends loan terms, conditions, and collateral position consistent with the request and associated loan risks; sets clear expectations with the customer, and documents pertinent customer information in association systems.
\nCommunicates credit decisions, loan terms and conditions to the customer.
\nSERVICE PORTFOLIO<\/strong>: In support of the customer, the RLO:<\/p>\n
\nPartners with Rural 1st teams to complete servicing actions required for individual customer circumstances.
\nPartners with the Customer Care team to monitor the portfolio for timely identification and servicing of loans that expose the association to risk.
\nUsing knowledge of servicing options, the RLO effectively negotiates and communicates these options to the customer, and may partner with the Special Accounts team for resolution.\n<\/p><\/div>\n<\/div>\nMinimum Education & Experience<\/b><\/h2>\n<\/div>\n
Mental & Physical Requirements<\/b><\/h2>\n<\/div>\n