JOB PURPOSE AND SCOPE
In a training program that focuses on learning the approval process that is required to extend and service long-term real estate loans, short term operating loans, equipment loans, livestock loans, and all other products offered by the Association; works
under close supervision.
For exceptionally qualified candidates, at the sole discretion of Capital Farm Credit, position may be offered with a different title, based on the requisite qualifications of the candidate. As such, the essential functions could vary, but will
be in general those required for credit extension in an Association branch office.
BENCHMARKED JOB FUNCTIONS:
Work closely with senior-level loan officers and other staff to gain a sound understanding of credit analysis and business development
including loan pricing. Utilize the credit analysis system under the direction of senior-level staff. Enter loan information and various other information while learning
how the system is used and learning how to perform loan analysis. Work with one or more assigned appraisers to gain an understanding of the appraisal process. Work
with management and staff to gain an understanding of the purpose and processes involved in performing credit reviews may assist. Assist senior-level staff with credit reviews. Work with the loan processing team to
gain an understanding of the loan processing function. Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper. Complies with proper
credit administration practices as outlined in the association’s policies and procedures.
General knowledge of accounting/financial systems. Specialized knowledge of accounting/finance principles. Skill in oral and written communication. Basic skill level in Microsoft Office applications. Ability to perform basic accounting/financial analyses
under moderate supervision.
Zero (0) to two (2) years of experience in lending or financial services
Required Education Bachelor’s degree in Business Administration, Finance, Agricultural Economics, or a related field
Required Qualifications This is an entry level position. A curriculum with a strong core of accounting and finance related course work is preferred.
P HYSICAL ACTIVITIES:
Ability to sit for long periods of time. Ability to stand for limited periods of time. Ability to walk for moderate distances. Frequent finger/hand manipulation (e.g. keyboard, office equipment, small hand tools, etc.). Occasional lifting, carrying,
pushing, and/or pulling while exerting up to 50 pounds of force.
This job requires strong verbal and written communication skills and listening skills, as well as the ability to read and comprehend memos, e-mails, operating manuals policy directives. The job also requires the ability to follow verbal instruction as
directed, providing feedback as appropriate in a respectful, business-appropriate manner. Courteous and professional conduct is required at all times with a willingness to provide and receive constructive input and direction. In working with team members,
it is required that you foster open lines of communication by conveying pertinent, non-privileged industry and company information that is necessary to maximize job performance, knowledge and understanding.
It is Capital Farm Credit’s expectation is that open lines of communication are available to benefit job performance and satisfaction. Within your position, you are encouraged to effectively utilize communication channels to maximize job performance.
This job description in no way states or implies that these are the only duties to be performed by the employee occupying this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties
requested by the supervisor. This position may frequently become involved in or be made aware of confidential business or personal information as a result of interactions 1) arising under its Job Purpose and Scope, 2) arising from other assigned responsibilities
or 3) with other employees. It is an expectation and requirement of the job that confidential information of the bank, its associations and their customers be handled in a professional manner and not be disclosed without approval or used for personal gain.
Non-compliance with privacy or confidential information requirements or expectations can result in disciplinary action up to and including termination of employment. All requirements are subject to possible modification to reasonably accommodate individuals
with disabilities. Some requirements may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or other employees.
Regular attendance is required in this job. This document does not create an employment contract, implied or otherwise, other than an "at will" employment relationship.
Position will be posted until filled, until sufficient candidates are reviewed to ensure a qualified selection can be made, or until closed at the discretion of the Association.
Capital Farm Credit, ACA - 14 months ago