Loan Officer

Description / Job Summary

Join a team focused on the success of our customers, the success of our communities, and the success of each other. Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest product, fishing, and other agricultural business owners across the northeast with $11.7 billion in total loan volume and $29 million in annual financial services revenue from 18,000 customers across our 8-state territory. We are One Team Working Together with a focus on our five pillars : Outstanding Customer and Employee Experience, Quality Growth, Operational Excellence, Commitment to our Communities, and Protecting Customer Information.

The Loan Officer is a customer focused role serving in a relationship management capacity to represent the Association with both existing and prospective borrowers. This person delivers a personalized experience for Farm Credit East customers and employs a proactive versus reactive approach to exceed the borrower's expectations. This person prioritizes and aligns their approach to customer service based on customer segmentation in lieu of a one-size-fits-all approach.

The value drivers for this role are as follows :

• Promotes portfolio growth with new and existing customers through value-add interactions and high visibility in the community and on the farm
• Cements customer relationships with a consultative lending approach driving sustainability for both the customer and the Association

Come join a collaborative, customer-focused team at Farm Credit East!

Duties and Respon sibilities

Customer Centric

Manages the day-to-day customer relationships of credits within your respective customer segment (Agribusiness or Retail)

Proactive portfolio management by understanding and analyzing industry trends, market data, and customer knowledge leading to a consultative lending approach

Positions a team approach serving as the lead for all customer facing activities with support from loan coordinator or financial services

Creates and maintains a documented 360-degree view of the customer, in the core application, to maximize the customer experience

Work collaboratively with teammates to generate cross-selling results and a best-in-class customer experience through a cohesive and holistic approach

Provides functional guidance to credit analysts, loan doc specialists and other roles to ensure customer's requirements are met while conforming to credit policy and requirements

Monitors borrowers within assigned loan portfolio to document compliance with terms and conditions, covenants, inspections, credit quality, and risk assessment to ensure a safe and sound portfolio

Meets with existing and prospective customers to review financials, propose loan structure, evaluate pricing options and address short-term and long-term objectives of the borrower

Business Development

Achieve growth targets by performing business development activities that expand existing customer relationships and bring new customers to the Association

Seeks and vets both traditional and non-traditional opportunities, ranging from the farm to the agri-business along with all participants of the ag value chain who are credit worthy and eligible

Prioritizes high value add interactions with customers day in and day out through active relationships and sound customer understanding

Promotes the FCE brand in their region

Builds and nurtures Centers of Influence (community presence, network, and external partners) to generate new referrals

Utilizes the 360-degree view of the customer to drive cross-selling opportunities - identify, collaborate, generate, or act upon, internal referrals to or from other segments of Farm Credit East

Develops expertise and working knowledge within Ag segments, serving as a Trusted Advisor

Embraces the transformation of the Association through adoption and utilization of new processes, procedures, and digital tools with the intent to deliver a high-level customer experience

Job Qualifications and Requirements :

Compensation and Benefits :

401(k) match up to 6% of salary; or for those unable to take full advantage of the 401(k) match, verified student loan payments may qualify for an employer match in your 401(k) up to 6% of salary

15-25 days of vacation leave per year, depending on years of service

programs to support your overall health and well-being

Tuition reimbursement

Eligibility Begins : First of the month following your hire date

Farm Credit East is an Equal Opportunity Employer. As an Equal Opportunity Employer, we do not discriminate on the basis of race, color, religion, national origin, sex, sexual orientation, gender identity or expression, age, marital status, parental status, political affiliation, disability status, protected veteran status, genetic information or any other status protected by federal, state or local law. It is our goal to make employment decisions that further the principle of equal employment opportunity by utilizing objective standards based upon an individual's qualifications for a specific job opening. In compliance with the Americans with Disabilities Act ("ADA"), if you have a disability and would like a reasonable accommodation in order to apply for a position with Farm Credit East, please call 1-800-562-2235 or e-mailFarmCreditCareers@farmcrediteast.com