Sr. Loan Officer
Capital Farm Credit, ACA - Conroe, TX

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Description/Job Summary

D e v e lops business opportunities a nd m a n a g e s lo a n po r t f olios in c luding lo a n o r i g in a tions in the t ra de are a s er v e d by the a sso c i a tion. P r o ce ss e s a nd a pp r ov e s lo a ns in a ssi g n e d t err ito r y within the limits of sp ec i f ic d e l e g a t e d a utho r ity c onsist e nt with Asso c i a tion poli c i e s. Ev a lu a t e s a nd s er vi ce s lo a ns of varying size and complexity. H a s a pp rec i a ble l a titude f or d ec ision m a kin g ; wo r ks und e r minimum sup er vision.

A t 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 business development in an Association branch office.

Responsibilities/Duties

BEN C HM A R K ED J O B F U N CTI O N S :
D e v e lops a nd m a n a g e s lo a n po r t f olios in c luding lo a n o r i g in a tions in the t ra de are a s er v e d by the a sso c i a tion. W o r ks with lo a ns of varying size and complexity. Assists p r osp ec tive a nd c u rre nt bo rr ow er s with th e ir cre dit n ee ds a nd with f o r mul a ting solutions to cre dit re l a t e d issu e s. M a k e s a nd s er vi ce s lo a ns a nd l ea s e s within d e l e g a t e d a utho r ity a nd in acc o r d a n c e with a sso c i a tion poli c i e s. M a k e s a nd/or c onv e y s d ec isions on lo a n a pp r ov a l, st r u c tu r e a nd p r i c in g . R e sponsible f or e x erc ising cre dit r isk m a n a g e m e nt on lo a ns within are a of re sponsibilit y . C ondu c ts cre dit a n a l y s e s on loans of varying size and complexity. An a l y z e s b a l a n c e sh ee ts, in c ome st a t e m e nts, a nd ca sh f lows of pot e nti a l bo rr ow er s to a s cer t a in cre ditwo r thin e ss. M a int a ins c u rre nt, a d e qu a te a nd v er i f i e d f in a n c i a l in f o r m a tion on bo rr ow er s a nd g u ara nto r s a s re qui re d by a sso c i a tion poli c y . P erf o r ms lo a n s er vi c ing t a sks, whi c h m a y in c lude p ar ti a l re l ea s e s, subo r din a tions to min era l l ea s e s a nd r i g ht of w a y s, division o r d er s, rea mo r ti z a tions, a ssumptions, s e v era n c e a g ree m e nts, a nd insu ra n ce c l a ims. Ensu re s th a t a ll a ssi g n e d lo a ns ar e p r op er ly r isk ra t e d, a ssi g n e d loss g iv e n d efa ults ar e c o rrec t a nd p erf o r m a n c e st a tus a ssi g nm e nts ar e accurate . C ompli e s with cre dit a dminist ra tion p rac ti ce s a s outlin e d in the a sso c i a tion ’ s poli c i e s a nd p r o ce du re s. P erf o r ms c oll ec tions on a ssi g n e d lo a ns a nd a ssists m a n a g e m e nt with c oll ec tions on a ll lo a ns in the po r t f olio. W o r ks with d e linqu e nt bo rr ow er s to obt a in s a tis fac to r y lo a n p erf o r m a n ce . Assu re s th a t a d e qu a te insu ra n c e c ov era g e is m a int a in e d a s re qui re d by lo a n c onditions. M a y a ssist with the title e x a min a tion on p r osp ec tive lo a ns to e nsu r e v a lidity of li e ns on p r op er ty pl e d g e d a s c oll a t era l or s ec u r ity int ere st on c h a tt e ls. Fac ilit a t e s the lo a n c losing p r o ce ss a s re qui re d in acc o r d a n c e with a ll a ppli ca ble a sso c i a tion a nd F C A poli c i e s a nd re g ul a tions.

Required Skills

SKILL REQUIREMENTS

Excellent customer service skills. G e n era l knowl e d g e of acc ountin g / f in a n c i a l s y st e ms. S p ec i a li z e d knowl e d g e of acc ountin g / f in a n c e p r in c ipl e s. S kill in o ra l a nd w r itt e n c ommuni ca tion. I nt er m e di a te skill l e v e l in Mi cr oso f t O ff i c e a ppli ca tions. Ability to p erf o r m int er m e di a t e- l e v e l acc ounting a nd f in a n c i a l a n a l y s e s und e r limit e d sup er vision.

Required Experience
Th re e ( 3) or mo r e y ear s of e x p er i e n c e a s a lo a n o ff i cer . A t 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 business development in an Association branch office.

Required Education B ac h e lo r’ s d e g re e in B usin e ss Administ ra tion, F in a n ce , A g r i c ultu ra l E c onomi c s, or a re l a t e d f i e ld
Details

P HY S IC A L A C TIVIT I E S :
Ability to sit f or long p er iods of tim e . Ability to st a nd f or limit e d p er iods of tim e . Ability to w a lk f or mod era te dist a n ce s. Fre qu e nt f in g er /h a nd m a nipul a tion (e . g . k e y bo ar d, o ff i c e e quipm e nt, sm a ll h a nd tools, e t c . ) . O cca sion a l li f tin g , carr y in g , pushin g , a nd/or pulling while e x er ting up to 50 pounds of f o rce . M a y re qui r e a v a lid d r iv er’ s li ce ns e.

CO MM U N I C ATI O N R EQUIREMENT S :
This job re qui re s st r ong v er b a l a nd w r itt e n c ommuni ca tion skills a nd list e ning skills, a s w e ll a s the a bility to rea d, c omp re h e nd a nd w r ite m e mos, e- m a ils, op era ting m a nu a ls a nd poli c y di rec tiv e s. The job a lso re qui re s the a bility to p r ovid e , f ollow a nd c onv e y v er b a l inst r u c tion, a nd to p r ovide a nd rece ive fee db ac k a s a pp r op r i a te in a re sp ec t f ul, busin e ss -a pp r op r i a te m a nn er . The a bility to m a ke effec tive busin e ss p re s e nt a tions, both w r itt e n a nd o ra l, in sm a ll a nd l ar g e a udi e n ce s is re qui re d. C ou r t e ous a nd p r o fe ssion a l c ondu c t is re qui re d a t a ll tim e s with a willin g n e ss to p r ovide a nd rece ive c onst r u c tive input a nd di rec tion. I n wo r king with t ea m m e mb er s, it is re qui re d th a t y ou f ost e r op e n lin e s of c ommuni ca tion by c onv e y ing p er tin e nt non p r ivil e g e d indust r y a nd c omp a ny in f o r m a tion th a t is n ece ss ar y to m a x imi z e job p erf o r m a n ce , knowl e d g e a nd und er st a ndin g .

NO T IC E :
This job d e s cr iption in no w a y st a t e s or impli e s th a t th e se ar e the only duti e s to be p erf o r m e d by the e mplo y e e o cc up y ing this position. Emplo y ee s will be re qui re d to f ollow a ny oth e r job -re l a t e d inst r u c tions a nd to p erf o r m a ny oth e r job -re l a t e d duti e s re qu e st e d by the sup er viso r . This position m a y fre qu e ntly b ec ome involv e d in or be m a de a w ar e of c on f id e nti a l busin e ss or p er son a l in f o r m a tion a s a re sult of int erac tions 1) ar ising und e r its J ob P u r pose a nd S c op e , 2) ar ising fr om oth e r a ssi g n e d re sponsibiliti e s or 3) with oth e r e mplo y ee s. I t is a n e x p ec t a tion a nd re qui re m e nt of the job th a t c on f id e nti a l in f o r m a tion of the b a nk, its a sso c i a tions a nd th e ir c ustom er s be h a ndl e d in a p r o fe ssion a l m a nn e r a nd not be dis c los e d without a pp r ov a l or us e d f or p er son a l g a in. Non -c ompli a n c e with p r iv ac y or c on f id e nti a l in f o r m a tion re qui re m e nts or e x p ec t a tions ca n re sult in dis c iplin ar y ac tion up to a nd in c luding t er min a tion of e mplo y m e nt. All re qui re m e nts ar e subj ec t to possible modi f i ca tion to rea son a bly acc ommod a te individu a ls with dis a biliti e s. S ome re qui re m e nts m a y e x c lude individu a ls who pose a di rec t th rea t or si g ni f i ca nt r isk to the h ea lth a nd s afe ty of th e ms e lv e s or oth e r e mplo y ee s. R e g ul a r a tt e nd a n c e is re qui re d in this job. This do c um e nt do e s not crea te a n e mplo y m e nt c ont rac t, impli e d or oth er wis e , oth e r th a n a n " a t will" e mplo y m e nt re l a tionship.

AA/EOE/M/F/D/V

CLOSING DATE
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 - 2 years ago - save job - copy to clipboard