Credit Representative / Loan Officer

Farm Credit East, ACA - Bedford, NH (30+ days ago)

Description/Job Summary
If you enjoy interacting with clients and also understanding the financials of what makes their businesses successful, then being a lender at Farm Credit East is a match for you.

The candidate will serve New Hampshire and Northeastern Massachusetts, a territory filled with a variety of agricultural and aquatic clientele. As a lender, your job is to make loans to existing and new farm and fishing clients who meet Farm Credit East's underwriting requirements. Loan products include but aren't limited to annual lines of credit, equipment debt and real estate financing. Role includes analysis of financials to determine appropriate lending products and communication with clients about those loan products. Marketing to new clients is a priority, thus role also includes cross selling to existing and potential clients other Farm Credit East products and services such as tax preparation, record keeping services, consulting and crop insurance to name a few. All of this is done with the goal of helping our clients be successful in their enterprises.

Daily job varies from meeting with clients, analyzing their financials, negotiating terms, writing up the loan for approval and closing the deal. Marketing is a requirement; those who are outgoing and willing to take the time to know existing and potential clients' needs and match products and services to those needs will be most successful. Team player, positive attitude and the ability to work with peers within the branch and across Farm Credit East are required attributes of the lender.

Farm Credit East offers:
Client interaction, opportunity to be part of their success
Excellent peers/other employees - people who care about each other and our clients
Community involvement
Company known for its expertise in the industries served Desired traits:
Team player
Ownership and pride in one's work
Ability to effectively communicate, including when challenged
Driven without ego
Positive attitude

Counties Served :
Massachusetts: Essex, Middlesex, Suffolk, and portions of Worcester
New Hampshire: Belknap, Carroll, Hillsborough, Merrimack, Rockingham, and Strafford
Area : The branch is located in a suburban area, with urban amenities conveniently located nearby.
Type of Agriculture : The branch's agriculture is diverse, including commercial fishing, fruit, nursery, livestock, timber, vegetable, and greenhouse operations. Farm related businesses are also within Bedford's target market.

Bedford's Branch Loan Volume as of 4/30/2018:
Short Term $60,000,000
Long Term $135,000,000
Total $195,000,000

The Company
Farm Credit East is the leading provider of loans and financial accounting services to farmers, fishermen, foresters and agricultural business owners across the northeast with over $6 billion in loan volume and over $25 million in financial accounting service revenue generated annually. When you pursue a career with Farm Credit East, you have the opportunity to positively impact the families and businesses that drive the Northeast economy.

Farm Credit East provides all team members with the training and resources needed to be successful in their careers. All new employees receive one-on-one coaching to help them understand their roles. Additional technical training, soft skill training, and ongoing professional development provided by Farm Credit East will help you be poised for continued career growth within our organization.

To learn more about why to choose Farm Credit East for your long term career, please visit Farm Credit East's website using this link .

With minimal supervision, depending upon experience, the incumbent is accountable for the following:
Lending and Loan Servicing: Extend sound farm, farm related, aquatic, and country living loans through analysis of applicants' financial conditions, management abilities, and economic trends. Obtain accurate appraisals and valid security liens. Minimize losses by means of sound and timely servicing and collection efforts and timely sale of acquired property.
Marketing: Increase business by means of promotional activities and superior customer service. Provide value to customers with appropriate and timely products and services.
Member Relations/Teamwork: Provide outstanding customer service (both internal and external) and deliver exceptional customer experience and value by setting, communicating and meeting customer expectations. Demonstrate a strong community commitment and professional presence that contributes to the overall positive image of the ACA. Act in a forthright and ethical manner, display a positive attitude and contribute positively to the overall morale of the team and association. Assist other team members and contribute to training.
Required Education
Position requires a Bachelor's degree in Agricultural Economics, Business, Finance or a related field.
Required Qualifications
Knowledge of agriculture, finances, credit and credit administration. Strong marketing and interpersonal skills are required, as are verbal and written communications and analytical skills. Must be team oriented. The position requires the ability to travel as needed.