Senior Loan Officer

Location

Lebanon, NJ | United States

Job description

Position Summary:

Join a team focused on the success of our customers, the success of our communities, and the success of each other. Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest product, fishing, and other agricultural business owners across the northeast with $11.5 billion in total loan volume to 18,000 customers across our 8-state territory. We are One Team Working Together with a focus on our five pillars: Outstanding Customer and Employee Experience, Quality Growth, Operational Excellence, Commitment to our Communities, and Protecting Customer Information.

The Senior Loan Officer is a customer focused role on our Agribusiness Lending team . This person serves in a relationship management capacity to represent Farm Credit East with both existing and prospective borrowers. This person delivers a personalized experience for Farm Credit East customers and employs a proactive approach to exceed the borrower’s expectations. This person prioritizes and aligns their approach to customer service based on customer segmentation in lieu of a one-size-fits-all approach. The Agribusiness Lending team serves some of the largest and most complex customer relationships at Farm Credit East. The Senior Loan Officer managing this portfolio and its growth is collaborative and team oriented. This person utilizes the knowledge, skills, and abilities of the entire Farm Credit East team to provide a consultative suite of services that brings top value to the customer’s business. The portfolio is $200-$250 million in loan volume across a territory that covers the lower Hudson Valley in New York and the entire state of New Jersey.

The value drivers for this role are as follows:

• Promotes portfolio growth with new and existing customers through value-add interactions and high visibility in the community and on the farm
• Cements customer relationships with a consultative lending approach driving sustainability for both the customer and the Farm Credit East

We offer generous benefits including: a 6% 401K match plus an additional defined contribution retirement plan, medical, dental, HSA, paid annual holiday and sick leave, FSA, life insurance, and a bonus incentive program. Farm Credit East provides all team members with the training and resources needed to be successful in their careers. 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. We use state of the art technology for customer relations (Salesforce), internal communication (Microsoft TEAMS) and delivery of services.

Come join a collaborative, customer-focused team at Farm Credit East!

Duties and Responsibilities:

Customer Centric

• Manages the day-to-day customer relationships of credits within the Agribusiness segment
• Proactively manages the portfolio by understanding and analyzing industry trends, market data, and customer knowledge leading to a consultative lending approach
• Positions a team approach serving as the lead for all customer facing activities with support from lending and financial services team members
• Creates and maintains a documented 360-degree view of the customer, in the core application, to maximize the customer experience
• Works collaboratively with teammates to generate cross-selling results and a best-in-class customer experience through a cohesive and holistic approach
• Provides functional guidance to loan coordinators, credit analyst, loan doc specialist and other roles to ensure customer’s requirements are met while conforming to credit policy and requirements
• Monitors borrowers within assigned loan portfolio to document compliance with terms and conditions, covenants, inspections, credit quality, and risk assessment to ensure a safe and sound portfolio
• Meets with existing and prospective customers to review financials, propose loan structure, evaluate pricing options and address short-term and long-term objectives of the borrower

Business Development

• Achieves growth targets by performing business development activities that expand existing customer relationships and bring new customers to Farm Credit East
• Seeks and vets both traditional and non-traditional opportunities, ranging from the farm to the agri-business along with all participants of the ag value chain who are credit worthy and eligible
• Prioritizes high value add interactions with customers day in and day out through active relationships and sound customer understanding
• Promotes the Farm Credit East brand in their region
• Builds and nurtures Centers of Influence (community presence, network, and external partners) to generate new referrals
• Utilizes the 360-degree view of the customer to drive cross-selling opportunities – identify, collaborate, generate, or act upon, internal referrals to or from financial services
• Develops expertise and working knowledge within Ag segments, serving as a Trusted Advisor
• Embraces the transformation of Farm Credit East through adoption and utilization of new processes, procedures, and digital tools with the intent to deliver a high-level customer experience

Job Qualifications and Requirements:

• This position requires a Bachelor's degree in Agriculture, Agri-Business, Economics, Finance, Business or a related field
• Prior experience in finance/lending and customer relationship management is required; experience with complex loan agreements and complex customer relationships is a plus
• Salary range: $100,000- $120,000 commensurate with experience

Farm Credit East is an Equal Opportunity Employer. As an Equal Opportunity Employer, we do not discriminate on the basis of race, color, religion, national origin, sex, sexual orientation, gender identity or expression, age, marital status, parental status, political affiliation, disability status, protected veteran status, genetic information or any other status protected by federal, state or local law. It is our goal to make employment decisions that further the principle of equal employment opportunity by utilizing objective standards based upon an individual's qualifications for a specific job opening. In compliance with the Americans with Disabilities Act (“ADA”), if you have a disability and would like a reasonable accommodation in order to apply for a position with Farm Credit East, please call 1-800-562-2235 or e-mail  [email protected] .

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