Rural 1st Loan Associate
Company: Farm Credit Mid-America
Posted on: November 22, 2021
At Farm Credit Mid-America, we believe people are our strongest
asset. We are consistently looking to hire individuals from a wide
range of experience and capabilities who have a desire to serve.
Currently, we have over 1,500 employees across Indiana, Ohio,
Kentucky and Tennessee.BASIC FUNCTION: The Rural 1st Loan Associate
will be responsible for marketing, marketplace development,
communication, relationship building and overall portfolio growth
through a focused balance of sales, marketing and support in the
consumer lending segment. This position will originate consumer
credit by assessing requests and obtaining required financial
information to determine viability and profitability of the deal.
Working collaboratively, the Rural 1st Loan Associate will lead the
customer relationship, coordinating with other business segments as
appropriate for additional business opportunities.The Rural 1st
Loan Associate will also:
- Develop and maintain strong working relationships with internal
and external customers by providing consistent high-quality service
that is timely, thorough, and responsive to the needs of different
- Work closely with Consumer Loan Officers (CLO) to build
productive relationships with current and prospective customers
based on mutual trust and respect.
- Use understanding of customer goals, credit strengths and
opportunities to deliver value added, constructive financial
information to the customer.MAJOR RESPONSIBILITIES:SALES, MARKETING
AND RELATIONSHIP MANAGEMENT - Responsible for increasing the
Association's market share in the assigned territory and within the
assigned segment with new and existing customers.
- Determines the appropriate customer interaction and coordinates
the appropriate staff that may directly or indirectly be part of
the relationship to serve the customer's loan servicing needs.
- Communicates to internal team members regarding the customer's
- Introduces customers to the Association's process and consumer
team that will support the process.
- Assists CLO with sales pipeline management.
- Assists CLO in planning and execution of territory sales
- Assists in collecting customer financial information and
application details, in compliance with lending requirements.
- Communicates recommended loan terms, conditions and collateral
position consistent with the request and associated loan risks.
Sets clear expectations with the customer.Service Portfolio:
- Explains and assists in the construction disbursement
- Partners with loan team members to complete servicing actions
required for individual customer circumstances.COLLABORATION - In
order to deliver an exceptional customer experience, the Rural 1st
Loan Associate will partner with:
- Consumer Loan Officers - to determine the appropriate
engagement based on customer interactions after identifying the
scope of the operations and the business potential. Depending on
the territory, may assist the CLO in servicing their current
customer portfolio and marketing in the assigned CLO's market
- Rural 1st Operations and Credit - to complete originations and
servicing actions required for individual customer
- Appraisal Management Services (AMS) - to assist in identifying
collateral and ordering of collateral valuations.DELIVER SOUND
CREDIT - As part of the ongoing consultative relationship with our
customers, the Rural 1st Loan Associate:
- Interprets and evaluates financial information; asks probing/
follow up questions to recommend the appropriate product or
- Sets clear customer expectations while recommending loan terms
- Communicates credit decisions and options to customers in
counter and denial situations.Represents and communicates the
purpose and values of Farm Credit Mid-America and abides by its
conduct and security policies and confidentiality
expectations.Performs other duties as assigned.MINIMUM
REQUIREMENTSA combination of education and experience will be
consideredEducation and ExperienceBachelor's degree in business,
marketing, finance or related field, preferred. Minimum 4 years of
successful experience in financially related customer service or
sales, loan processing or loan servicing.KNOWLEDGE, SKILLS AND
ABILITIES:Knowledge of: products, services, fees and their
applications to customers' needs; assigned market segment and
territory, its evolution and growth and how changes impact
customers; economic conditions; competition's products, interest
rates, and fees; competition preparing to move into market;
consultative selling techniques; accounting and finance concepts;
origination systems and processes; technology; and policies and
procedures.Skills in: Fostering business relationships to develop
sales; selling; negotiating; probing for customer needs and
opportunities, matching products and services to customer needs;
translating features into benefits; closing sales; coordinating a
team to achieve a goal; assessing and delivering sound credit;;
interpersonal relationships; listening; using loan origination
systems and computers; effectively and professionally communicating
in both verbal and written form; coaching others, thinking
critically, making decisions, and creatively solving
problems.Ability to: Achieve goals; be innovative; accept and
implement corporate strategies; demonstrate the association's
values; maintain confidentiality; be a self-starter; sell; be
assertive; demonstrate a sense of urgency and a passion for
excellence; display a positive attitude and a strong sense of
ownership and accountability for one's work; relate positively to
others; listen to customers; be logical; work under stress and
perform in a fast-paced environment; overcome prospect and customer
objections; effectively and concurrently manage various
responsibilities; prioritize work; manage time; accept risk;
inspire others; professionally represent Farm Credit
Mid-America.MENTAL AND PHYSICAL REQUIREMENTS:This job requires the
incumbent to have the ability to:
- Engage in telephone and face-to-face conversation to serve
customers and give and receive information from customers, staff,
vendors, outside consultants and the public.
- Use a computer and similar office technology tools. This
involves reading the screen and keying/typing information.
- Speak and make presentations to individuals or groups on
technical subjects related to job.
- Travel via auto or commercial transportation to carry out
essential responsibilities of the job.
- Successfully interact with and represent the organization to
customers, staff, officers, board members, vendors, and/or the
public at all levels.
- Provide sound technical advice to customers and other staff in
the subject field(s) related to this position.
- Understand and explain various subject matter and consulting
concepts, programs, terminology, and methods.
- Reason, judge, compare, calculate, evaluate, decide, and
critique such information as written material, numerical data,
responses to customer needs, and/or other related work
activities.Requirements of the job include the ability to do the
work, with or without reasonable accommodations. It is the
Association's policy to make reasonable accommodations for
individuals with disabilities. Leadership retains the right to add,
subtract or change duties of the position at any time.This document
does not create an employment contract, implied or otherwise, other
than "at will" employment relationship.CITYINDFarm 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.
Keywords: Farm Credit Mid-America, Louisville , Rural 1st Loan Associate, Other , Louisville, Kentucky
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