Do you excel at building strong relationships and guiding customers through important financial decisions?
Are you motivated by the opportunity to support agriculture, strengthen rural communities, and help producers reach their goals?
If so, we invite you to apply! We are seeking a VP, Loan Officer to support our mission of serving the agricultural community through sound credit administration, exceptional customer service, and strong portfolio management. This senior‑level role combines business development, complex credit analysis, leadership support, and team mentorship.
As a VP, Loan Officer, you will manage and grow a diverse loan portfolio, develop deep customer relationships, and serve as a key resource for newer loan officers and credit support staff.
Our team at Golden State Farm Credit is united in our efforts to support rural communities and the agricultural industry. We offer a distinct work environment that fosters collaboration amongst teams, promotes a customer-centric approach to service, rewards those who take initiative, and provides a variety of projects to create an engaging work culture. We value teamwork, continuous learning, and the positive impact that our dedicated employees make.
The Association reserves the right to hire a qualified candidate from the Loan Officer or Senior Loan Officer classification instead of the VP, Loan Officer or Loan Officer Trainee classification, depending on applicant experience and organizational needs.
Intrigued? Want to know more?
Apply at Careers | Golden State Farm Credit ! Review the full job description below.
DEADLINE TO APPLY: Continuous Until Filled
Salary Range: $97,454 - $151,095
In addition to salary, the Association has a team based incentive program that provides an opportunity for up to 15% payout of base salary based upon Association performance.
Position Summary:
The VP, Loan Officer position manages, maintains, and grows an assigned portfolio through building relationships, managing credit, servicing loans, and ensuring proper loan documentation to be consistent with Association policies. VP, Loan Officers provide backup to the VP, Relationship Manager Team Lead and training to newer loan officers or credit support staff. Loan Officer levels are differentiated by difference in education, experience, loan portfolio size, number of loans, delegated lending authority, experience, credit ability and additional responsibilities.
Essential Functions:
Business Development (40%)
- Maintains a professional presence and develops a network to the constituency the Association serves, Farm Credit system, financial institutions, and regulators
- Represents and promotes the Association at outside meetings and events
- Generating sales leads to develop sound business relationships and produce new business
- Educates customers on services and products offered by the Association
- Represents the Association at industry meeting and community functions to stay current on market conditions and regulations
Loan Underwriting and Servicing (25%)
- Meets with, collects, and enters data from customers and potential customers into internal software
- Analyzes financial data and makes recommendations for loan structure, terms, and conditions
- Negotiates loan structure and pricing for recommendation to customers and/or Loan Committee
- Responds and provides direction to internal Team questions
- Recommends approvals, modifications, or denials of credit requests
- Has authority to sign documents for loan officers within the branch in the absence of the Team Lead
- Collaborates with Team Lead and CLO to discuss options available for customers
- Orders and reviews appraisals
- Opening and ordering preliminary reports from a Title Company, along with the ability to analyze title searches
- Monitor past dues
- Verifies proper documentation are filed
- Verifies financial documentation and closing conditions
- Recommends product pricing
- Communicates credit decision and completes required steps for closing
- Contacts external parties to finalize details for loan closing
- Identifies at-risk loans and determines a plan of action to resolve deficiencies
- Provides credit expertise on Association committees and special projects
- Participates in the ongoing design of processes to provide exceptional service, achieve satisfactory credit administration goals, and result in achievement of targeted credit quality with adequate compensation for risk
Loan Portfolio Management / Servicing (30%)
- Services loans, including interest rate conversions, MERLOC extensions, re-amortizations, partial releases, fixed rate pricing assumptions, and collateral analysis
- Works with staff to identify and develop plans to reduce risk for at-risk credit
- Ensures regulatory compliance on loans by following Association policies and procedures
- May report market and commodity updates to management
- Analyzes and services non typical and complex loan application documents
- Reviews and ensures compliance of borrower’s reporting and restrictive covenants
- Recommends appropriate course of action (Distressed Loan Notice, advanced delinquent taxes, initiate foreclosure)
- Attends loan committee meetings and provides information regarding loans
Loan Documentation (10%)
- Enters additional credit information into software
- Verifies documentation is accurate with title companies, legal department, and internal loan software
- Provides overview of Association policies and procedures to credit staff as needed for a loan processing
Data Security and Confidentiality
- Appropriately protects the confidentiality, security, and integrity of the Association’s systems, data, and clients’ data
Commitment and Support of Association Mission
- Understands, applies, and supports the Association mission and vision statement in a positive, professional manner at work and with customers in all settings
Knowledge and Skills:
- Knowledge of the agriculture, financial, and real estate industry, and applied business mathematics and principles.
- Knowledge of Microsoft Office Suite, computers, current software, and other office tools.
- Ability to effectively read, write, and communicate in the English language.
- Skill in serving and working effectively with both external and internal customers in a professional, respectful manner.
- Skill in analyzing information and problem solving to formulate logical and objective conclusions.
- Advanced knowledge of accounting principles, practices, and methods.
- Advanced knowledge of credit analysis and regulatory requirements with respect to borrower’s rights.
- Advanced knowledge of financial statements and Generally Accepted Accounting Principles (GAAP).
- Advanced knowledge of title issues, easements, tax law, title and escrow, state and federal ag regulations, appraisal concepts, processes and procedures, lending practices, farm business management, and other industry terminology.
- Skill in establishing and maintaining relationships with a variety of internal and external organizations and the community to advance the organization's interests and grow/maintain business.
- Skill in educating, promoting, and selling credit products to customers.
- Expert skill in communicating complicated information, delivering bad news, and negotiating complex agreements effectively to achieve the best outcome for the Association.
- Knowledge of distressed loan analysis/issues, resource for handling distressed or delinquent loans, processes and procedures, and regulatory compliance.
Qualifications:
- Education: Bachelor’s Degree in Agriculture, Agribusiness, Business, Finance, or a related field
- Experience: 5 or more years of experience in a lending role
- Or an equivalent combination of education and experience sufficient to perform the essential functions of the job
PHYSICAL DEMANDS:
Positions in this class typically require: keying, talking, hearing, seeing, and repetitive motions.
Sedentary Work: Exerting up to 10 pounds of force occasionally to lift, carry, push, pull or move objects. Must be able to remain in a stationary position most of the time. The employee must be able to prepare and analyze data and figures; transcribe data; understand information communicated via computer screens and in written text.
WORKING CONDITIONS:
Employees work in an office environment with moderate noise levels, controlled temperature conditions, and no direct exposure to hazardous physical substances. Employees may interact with upset staff and/or public and private representatives in interpreting and enforcing departmental policies and procedures. This position requires approximately 10-50% travel time.
The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time as needed. Golden State Farm Credit is an Equal Opportunity Employer and provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to: race (including traits historically associated with race, such as hair texture and protective hairstyles), relation (all aspects of religious belief, observances and practices including religious dress and grooming practices), color, national origin, ancestry, identity, gender expression, actual or perceived sexual orientation, marital status, military and veteran status, civil air patrol status, age, physical or mental disability, genetic information or medical condition, except where physical fitness is a valid occupational qualification or any other consideration made unlawful by federal, status or local laws. Applicable law also prohibits unlawful discrimination based on the perception that anyone has any of the foregoing characteristics. “National origin” also includes discrimination against an individual because of their primary language or because that person holds or presents the California driver’s license issued to those who cannot document their lawful presence in the United States, as well as discrimination based upon any of the following: an indivuduals' or the indivuduals' ancestors’ acutal or perceived physical, cultural, or linguistic characteristics associated with a national origin group; marriage to or association with individuals' of a national origin group; tribal affiliation; membership in or association with an organization identified with or seeking to promote the interests of a national origin group; attendance or participation in schools, churches, temples, mosques or other religious institutions generally used by persons of a national origin group; or a name that is associated with a national origin group An applicant’s or employee’s immigration status will not be considered for any Association employment purpose except as necessary to comply with federal, status or local laws. California law also prohibits discrimination against individuals providing services in the workplace pursuant to a contract, unpaid interns and volunteers on the basis of actual or perceived race, color, creed, religion, sex, physical or mental disability, genetic information or age. This applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.
