AgriLand Farm Credit is a leading agricultural lender in East Texas. AgriLand is over $300 million in total assets, including a Capital Markets portfolio of $55 million. Loans consist of livestock, timber, agribusiness operations, crops, recreational property, and country home loans. Established over 80 years ago, AgriLand Farm Credit is a customer-owned cooperative, which is part of the Farm Credit System. We are headquartered in Tyler, Texas and operate 11 branch offices.
Education and Experience Requirements
Bachelor’s degree in Finance, Agricultural Economics, Business administration, Forestry or a related field. A minimum of (3) three or more years of related experience in banking, credit, or other agricultural lending. Must have at least (3) three years solid background and experience within the timber industry. Previous marketing and/or sales experience a plus.
General knowledge of accounting/financial systems with specialized knowledge of accounting/finance principles. Excellent oral and written communication skills are essential. Should have a basic skill level in Microsoft Office applications and have the ability to perform accounting/financial analyses under moderate supervision.
Responsible for developing new loan business in addition to servicing existing production agricultural and real estate customers while applying sound credit administration procedures in processing loan applications, analyzing records, evaluating collateral, and setting loan terms and conditions.
Assists prospective and current borrowers with their credit needs and with formulating
solutions to credit related issues.
Makes and services loans and leases within delegated authority and in accordance with association policies. Makes and/or conveys decisions on loan approval, structure and pricing. Responsible for exercising credit risk management responsibilities on loans within
area of responsibility.
Works closely with more senior loan officers and other staff to gain a sound understanding of credit analysis. Conducts simple credit analyses. Analyzes balance sheets, income statements, and cash flows of potential borrowers to ascertain creditworthiness. Maintains current, adequate and verified financial information on borrowers and guarantors as required
by association policy.
Ensures that 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.
Works with one or more assigned appraisers to gain an understanding of the appraisal process. Obtains appropriate evaluations for the credit being extended and ensures they are in compliance with district and association standards and procedures.
Performs loan servicing tasks, which may include partial releases, subordination’s to mineral leases and right of ways, division orders, re-amortizations, assumptions, severance agreements, insurance claims, additional advances, extensions and conversions.
Works closely with more senior loan officers and other staff to gain a sound understanding of the loan classification process. Assists with monitoring and reporting overall loan portfolio conditions and other reporting as necessary.
Assures that adequate insurance coverage is maintained as required by loan conditions and monitors ad valorem taxes to insure that such taxes are paid on the security.
May assist with the title examination process on prospective loans to ensure validity of liens on property pledged as collateral or security interest on chattels. Prepares loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA policies and regulations.
Please send your resume to:
AgriLand Farm Credit
3210 W. Northwest Loop 323, Tyler, TX 75702
Farm Credit Bank of Texas - 15 months ago