Loan Officer

Employer
MidAtlantic Farm Credit
Location
Quarryville, PA
Posted
Sep 15, 2017
Closes
Sep 19, 2017
Function
Other
Hours
Full Time
MidAtlantic Farm Credit, ACA, an established agricultural and rural home lender has a full-time position available for a Loan Officer in our Quarryville, Pennsylvania office. Responsibilities POSITION SUMMARY: Serves present and prospective members/customers with sound, productive short, intermediate and long term agricultural credit according to district policies, standards and procedures. Promotes related services to all current and prospective members. Areas of responsibility include: Developing new business by actively pursuing new individual and business customers and by becoming a visible and involved member of the community. Expand existing relationships by proactively researching customer needs and matching bank products and services to those needs. Interview applicants, gathers, analyzes and reconciles complete, accurate credit and financial data using the five credit factors under the guidelines of differential analysis. Determine credit risk and makes timely and accurate decisions. Establish and renegotiates credit terms, when necessary. Inspects or appraises collateral as needed or applicable. Communicates credit decision to loan applicants. Service loans in portfolio to retain high loan level quality. Reviews progress of loans on a periodic basis. Make periodic calls on loan customers to evaluate management, inspect collateral and detect signs of potential financial problems. Monitor delinquent reports and counsels with customers to bring accounts current. Provide guidance to customers seeking solutions to financial problems. Provide information to existing and potential members/borrowers as to available financially related services and properly handles financial service accounts. Required Education Education and/or experience equivalent to a Bachelor's Degree in Business Administration, Agribusiness, Finance, or Management field. Required Experience One to four years' experience in a sales or lending environment preferred. Other Details Demonstrated computer proficiency and familiarity with financial databases and spreadsheet applications. Excellent written and verbal communication skills with ability to employ diplomacy and tact with customers and prospects while articulating the benefits of Farm Credit. Self-starter; computer literate; problem-solving & time management skills; knowledge of agriculture. Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the ACA and the borrower. Current awareness of economic developments and production technology affecting agriculture in the region. Travel to/from other branch offices, associations, etc. as necessary. Equal Opportunity Employer including veterans and individuals with disabilities.