Rural 1st Mortgage Loan Officer - Farm Credit of Southern Colorado : Job Details

Farm Credit of Southern Colorado (FCSC) is seeking a Rural 1 st Mortgage Loan Officer to join our team. The chosen candidate will be responsible for building relationships with business contacts and prospects in the assigned territory in order to originate rural home loans and rural recreational property loans. The Rural 1 st Mortgage Loan Officer leads customer relationships and coordinates with others throughout the loan process. This position is full time, working approximately 40 hours a week, and is benefits eligible. Occasional travel may be required to sufficiently support other locations within territory. Organizational Information At Farm Credit of Southern Colorado, we believe in creating a culture where teammates enjoy coming to work and feel included. We live this every day by enacting our FIRST principles, Fun, Integrity, Respect, Service, and Trust. Our commitment to our employees has earned Farm Credit of Southern Colorado recognition by the Colorado Springs Gazette a Best Place to Work for the past 3 years. Come join us in Colorado Springs, ranked No. 3 in US News & World Report's 2023-2024 Best Place to Live survey! As one of the Farm Credit System's associations, Farm Credit of Southern Colorado is a robust organization serving its member/owners in 31 counties throughout Southern Colorado. With over $1.6 billion in assets, Farm Credit of Southern Colorado's approximately 100 staff members bring strength to its shareholders and communities. Farm Credit of Southern Colorado is a member-owned cooperative that provides a wide range of financial products and risk management services for agricultural producers, agribusinesses, land owners and rural homeowners. Today, the Farm Credit System is one of the strongest, most financially sound lending institutions in the U.S. Its 59 institutions serve our country's farmers and ranchers, rural America, and agribusiness. Position Summary: The Rural 1st Mortgage Loan Officer (RLO) builds relationships with business contacts and customers in the Southern Colorado territory. The RLO uses their knowledge of the consumer marketplace, products, and finance to fully understand the prospect's business and personal plans and markets the association's rural home loan products, agricultural loan products and financial services that best meet those needs. The RLO leads the customer relationship and coordinates with others to serve the customer's loan needs. Responsibilities: Sales and Relationship Management

• The RLO will originate consumer credit to customers seeking loans for rural residential and rural recreational property. The core function of this role is obtain loan applications and supporting financial information, screen requests for initial eligibility, and submit the applications to the underwriting team for review.
• Spends around 40%-60% of time out of the office traveling locally to build professional relationships with customers, prospective customers, industry professionals and other influencers. These sales and marketing efforts will result in rural home loan applications and contribute towards an increase in our market share in the assigned territory.
• Builds relationships with other brokers and agents to expand and maintain a presence in the marketplace while
• Develops understanding of customer goals, credit strengths and weaknesses to deliver value added /constructive financial services to the customer
• 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
• Communicates with the customer and with internal team members regarding the customer's needs
• Introduces customers to the Association's process and the retail service team that will support the process

Credit Delivery

• Gathers and documents customer financial information and application details, in compliance with lending requirements and in coordination with the credit department
• Interprets and evaluates financial information and asks appropriate follow-up questions to determine viability and profitability and the appropriate product or service
• Recommends loan terms, conditions, and collateral position consistent with the request and associated loan risks, and sets clear expectations with the customer
• Documents customer information in appropriate systems
• After initially screening for soundness, submit information to our credit department for final decision
• Communicates credit decisions, loan terms and conditions to the customer

Service Portfolio

• Coordinates the disbursement process in home loan construction projects in cooperation with the construction team
• Refers to Operations department to complete servicing actions required for individual customer circumstances.

Minimum Qualifying Characteristics:

• 2-10 Years Lending Experience; preference for experience in mortgage or consumer lending
• Bachelor's degree in business administration, finance, accounting or related field; or an equivalent combination of education and experience sufficient to perform the

essential functions of the job

• Driver's license
• NMLS ID
• General knowledge of financial services products and processes
• General knowledge of the market segment and territory
• General knowledge of financial statements and mathematical concepts
• General knowledge of economic conditions
• General knowledge of consultative selling techniques
• Skill in engaging in conversation to identify customer needs and opportunities
• Skill in reasoning persuasively
• Working knowledge of association products, services, fees and their application to customers' needs
• Working knowledge of market segment and territory
• Working knowledge of economic conditions, competitions' products, interest rates and fees
• Working knowledge of origination systems and process
• Working knowledge of financial statements and mathematical concepts
• Skill in establishing and maintaining productive relationships within and outside the organization
• Expert skill in consultative selling
• Skill in creating networks with business contacts and influencers to develop sales
• Skill in negotiations
• Skill in assessing and delivering sound credit
• Skill in reasoning persuasively to sell or promote financial services and products
• Skill in closing sales

Farm Credit of Southern Colorado is an Equal Opportunity Employer dedicated to diversity in the workplace and offers a great work environment. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, sex, national origin, disability, or protected veteran status. The following information is disclosed in compliance with the Colorado Equal Pay for Equal Work Act. Similar positions applied for outside of Colorado will not necessarily receive the same compensation. Salary Range: $67,000-$115,000 base salary plus potential annual incentive based upon sales production. Base pay is determined by your skills, qualifications, experience, and location. This range is a good-faith and reasonable estimate of the range of possible compensation at the time of this posting. Actual salaries could vary and may be above or below the range as permitted by Colorado Equal Pay Transparency Rule 4.1.2. Variation is based on various factors including but not limited to location, qualifications, experience, operational needs and other considerations permitted by law. In compliance with the Colorado Equal Pay for Equal Work Act, a potential new employee's salary history will not be used in compensation decisions. In addition, benefits for this position include medical, dental, vision and life insurance, 401k, tax advantage accounts, paid vacation, sick leave and parental leave. FINAL DATE FOR APPLICATION: Until the position is filled.