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About the Role

Farm Credit East (FCE) is seeking a customer-focused Loan Officer to manage relationships with existing and prospective borrowers. This role involves delivering a personalized experience, employing a proactive approach, and aligning customer service with customer segmentation to exceed borrower expectations. The role drives portfolio growth through value-added interactions and community presence, and cements customer relationships with a consultative lending approach.

Responsibilities

• Manages day-to-day customer relationships within assigned customer segments (Agribusiness or Retail).
• Performs proactive portfolio management by analyzing industry trends, market data, and customer knowledge to apply a consultative lending approach.
• Serves as the lead for all customer-facing activities, positioning a team approach with support from loan coordinators or financial services.
• Creates and maintains a documented 360-degree view of the customer in the core application to maximize customer experience.
• Collaborates with teammates to generate cross-selling results and a best-in-class customer experience.
• Provides functional guidance to credit analysts, loan documentation specialists, and other roles to ensure customer requirements are met while conforming to credit policy.
• Monitors borrowers within the assigned loan portfolio to document compliance with terms, conditions, covenants, inspections, credit quality, and risk assessment.
• Meets with existing and prospective customers to review financials, propose loan structures, evaluate pricing options, and address borrower objectives.
• Achieves growth targets by performing business development activities to expand existing customer relationships and attract new customers.
• Seeks and vets traditional and non-traditional opportunities across the agricultural value chain for credit-worthy and eligible clients.
• Prioritizes high value-add interactions with customers through active relationships and sound customer understanding.
• Promotes the FCE brand within their region.
• Builds and nurtures Centers of Influence (community presence, network, and external partners) to generate new referrals.
• Utilizes the 360-degree customer view to drive cross-selling opportunities, including identifying, collaborating, generating, or acting upon internal referrals.
• Develops expertise and working knowledge within Ag segments to serve as a Trusted Advisor.
• Adopts and utilizes new processes, procedures, and digital tools to deliver a high-level customer experience.

Requirements

• Bachelor's degree in Economics, Finance, Accounting, Business, or a related field.
• Knowledge of agriculture, finance, and credit administration is preferred.
• Strong marketing and interpersonal skills.
• Strong verbal and written communication skills.
• Strong analytical skills.
• Must be team-oriented.
• Ability to travel as needed.

Skills

• Relationship management
• Customer service
• Consultative lending
• Business development
• Marketing
• Interpersonal communication
• Verbal communication
• Written communication
• Analytical skills
• Teamwork

Location

• Northeast territory

Work Type

• Hybrid work options after two months of employment

Experience Level

• Commensurate with experience

Education Level

• Bachelor's degree in Economics, Finance, Accounting, Business or a related field.

Salary/Compensations

• $75,000 - $105,000

Benefits

• Short Term Incentive to reward business results
• 401(k) match up to 6% of salary (or employer match for verified student loan payments up to 6%)
• Defined Contribution retirement plan funded at 2-9% of salary depending on years of service
• 15-25 days of vacation leave per year
• 12 days of holiday leave per year
• 7.5 days of sick leave in the first year, followed by 12 days annually
• Unlimited rollover of unused sick leave
• Up to 80 hours of paid Parental Leave for birthing, non-birthing, and adoptive parents
• Family Care Leave options under FMLA and company policy
• Health and insurance programs
• Health Savings Account
• Life insurance at 2x base pay
• Accidental Death and Dismemberment insurance at 2x base pay
• Long-term disability insurance at 2/3 base pay
• Tuition reimbursement
• Continuing education and training
• Employee Assistance Program

About the Company

• 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.
• FCE has $13.5 billion in total loan volume and $29 million in annual financial services revenue from 18,000 customers across its 8-state territory.
• The company operates with a focus on five pillars: Outstanding Customer and Employee Experience, Quality Growth, Operational Excellence, Commitment to our Communities, and Protecting Customer Information.

Equal Opportunity

• Farm Credit East is 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 FarmCreditCareers@farmcrediteast.com.