Loan Officer

Why should you join our team?

American AgCredit offers a unique opportunity to be a part of a national financial system supporting those who feed, clothe and fuel the world. We are a growing organization embracing collaboration and innovation while delivering transformative solutions. American AgCredit provides a cultivating environment where you truly make a difference for our customers and teams.

Benefits offered by American AgCredit:

• Commitment to agriculture and the communities we serve
• Family friendly work environment
• Investment in employee development
• Medical, Dental and Vision coverage
• Outstanding 401k – automatic 3% employer contribution, plus match up to 6%
• Generous Paid Time Off (Vacation accrued at 21 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time)
• Competitive Incentive Compensation Plan
• Disability & Life Insurance
• Employee mental, physical, and financial wellness programs
• The position is bonus eligible based on association and personal performance

Position will be posted until filled.

BASIC FUNCTION:

We are seeking a results-driven Loan Officer specializing in agricultural lending to join our team. This role focuses on originating, structuring, and approving credit solutions for business and agricultural clients.

The ideal candidate brings strong financial acumen, experience in credit analysis, and a proven ability to manage lending relationships from origination through approval and servicing. This position has individual lending authority of up to $1 million, providing the opportunity to directly impact client success and portfolio growth.

Please note: the internal title of this role is Relationship Manager for our Retail Channel

This role offers a great opportunity to significantly contribute to innovation that has high impact, and that creates tremendous value within the division and association.

ASSOCIATE RELATIONSHIP MANAGER ESSENTIAL FUNCTIONS:

• Largely focused on lead and referral conversion from internal and some external sources to generate new business
• Works with leaders and sales teammates to identify key relationships and activities to defend core business and establish relationships with existing customers
• Engaged in trade and community events in partnership with marketing and sales teammates to represent AAC and build a personal network of referral resources
• Reviews entity structures to determine appropriate liability and signing requirements of applicants
• Developing and applying an understanding of financial statements and tax returns in order to accurately calculate and enter financial metrics
• Acts as final approver when customer request fits scorecard assisted underwriting metrics, or partners with underwriting team on requests requiring additional review
• Follows up with auto-renewals to verify appropriate line commitment and usage, along with any other operational changes of the customer
• Monitors and communicates with past due customers to facilitate receipt of payment
• Utilizes CRM system to maintain quality data and track sales process
• Develops a knowledge of broad and local area risks associated with agricultural industries and commodities being financed
• Able to navigate and overcome objections regarding fees, rates, and product terms while completing transactions
• Demonstrated ability to assess multiple tasks or issues which are competing for a limited amount of time or resources and determine the order in which each will be addressed; sets priorities, goals, and timetables to achieve maximum productivity
• Takes initiative for learning and development by acquiring and refining of technical and professional skills needed in job related areas; proactively seeks performance feedback and identifies approaches to improve own performance
• Interacts and communicates regularly and effectively with leadership and staff within the Retail Channel and across the association
• Performs other duties as assigned

RELATIONSHIP MANAGER ESSENTIAL FUNCTIONS: (in addition to above)

• Solutions Expert: knows and understands the products that AAC can offer to our customers including those of our product partners
• Fosters new business by cultivating and maintaining relationships, discovering needs, and providing new solutions to our customers
• Develops new business through data driven insights, and by providing expertise and involvement in key community and industry functions
• Qualifies and converts Retail Leads from various sources
• Reviews entity structures to determine appropriate liability and signing requirements
• Collects, analyzes, and enters financials with accuracy in order to assure sound credit decisions
• Acts as final approver when customer request fits scorecard assisted underwriting metrics, and works with underwriting team to recommend approval of requests requiring additional review
• Creates fee and rate offerings that achieve Association profitability targets w…