Loan Processor - In Office and Remote - Farm Credit Mid-America : Job Details

Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of ourrural communities and creating positive customer experiences.Farm Credit Mid-America launched the Rural 1st brand to serve the growing number of people who want to live the rural lifestyle. Farm Credit Mid-America partners with other Farm Credit associations across the nation to offer Rural 1st products to those who are looking for more space and need a lender who understands rural property purchases.Full Time, RemoteTRAVEL REQUIRED: 50 to 75% within designated territory, typically driveable distance.Farm Credit Mid-America/Rural 1st may compensate outside of the salary range for bona fide reasons not related to membership in a protected class.The Rural 1st Loan Officer is a sales position primarily responsible for building relationships with business contacts and customers in the consumer market segment. The Rural 1st Loan Officer will use his or her knowledge of the consumer marketplace, products and finance to fully understand the customer's or prospect's business and personal plans and then market the Farm Credit Mid-America/Rural 1st financial services that best meet the needs.The Rural 1st Loan Officer has the responsibility for originating credit to their customers by assessing the request and obtaining business and financial information needed to determine the viability and profitability of the deal. This position requires existing NMLS registration under the SAFE Act, or the ability to obtain the same upon hire, and maintenance of a status in good standing during employment.The Rural 1st Loan Officer spends most of the time out of the office to build professional relationships with customers, prospective customers and influencers based on mutual trust and respect. Using an understanding of customer goals, credit strengths and weaknesses, the Rural 1st Loan Officer delivers “value added”/constructive financial information to customers.Determines and defines the appropriate customer interaction and coordinates the appropriate staff that may directly or indirectly be a part of the relationship to serve the customer's loan and servicing needs.DELIVER SOUND CREDIT: Gathers and documents customer financial information and application details, in compliance with lending requirements and in coordination with Rural 1st Loan Associates.Interprets and evaluates financial information and asks relevant follow-up and probing questions to determine the appropriate product or service.Recommends loan terms, conditions, and collateral position consistent with the request and associated loan risks; sets clear expectations with the customer, and documents pertinent customer information in association systems.Communicates credit decisions, loan terms and conditions to the customer.Partners with the Rural 1st Construction team on the disbursement process in home loan construction projects.Partners with the Customer Care team to monitor the portfolio for timely identification and servicing of loans that expose the association to risk.Using knowledge of servicing options, effectively negotiates and communicates these options to the customer, and may partner with the Special Accounts team for resolution.Bachelor's degree in agriculture, business or related degree preferred. Successful experience, in trainee role or in a similar field. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem-solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid driver's license, and the ability to drive a long-distance. Farm Credit Mid-America provides a competitive total rewards package to our team members. Our Health and Financial wellness benefits provide safety, security and peace of mind for you and your family. Farm Credit Mid-America is an equal opportunity employer, and all applicants will receive consideration for employments without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other category protected by law.#LI-REMOTE #IND123