Rural 1st Loan Officer - Colorado Western Slope

Farm Credit Mid-America launched the Rural 1st brand to serve the growing number of people who want to live the rural lifestyle. Rural 1st offers home, construction and lot loans for those who are need a lender who understands rural property purchases. Farm Credit Mid-America partners with other Farm Credit associations across the nation to offer Rural 1st products to those who are looking for more space and need a lender who understands rural property purchases.

About Our Opportunity

The Rural 1st Loan Officer is a sales position primarily responsible for building relationships with business contacts and customers in the consumer market segment. The Rural 1st Loan Officer will use his or her knowledge of the consumer marketplace, products and finance to fully understand the customer's or prospect's business and personal plans and then market the Farm Credit Mid-America/Rural 1st financial services that best meet the needs.

The Rural 1st Loan Officer has the responsibility for originating credit to their customers by assessing the request and obtaining business and financial information needed to determine the viability and profitability of the deal. After initially screening for soundness, the Rural 1st Loan Officer submits the information to an analyst, underwriter or scoring system for final decision. The Rural 1st Loan Officer leads the customer relationship and often coordinates with others to serve the customer's loan, lease, crop insurance and servicing needs.

This position requires existing NMLS registration under the SAFE Act, or the ability to obtain the same upon hire, and maintenance of a status in good standing during employment.

How You Will Spend Your Time

SALES and RELATIONSHIP MANAGEMENT:Determines and defines the appropriate customer interaction and coordinates the appropriate staff that may directly or indirectly be a part of the relationship to serve the customer's loan and servicing needs. Communicates to the customer and to internal team members regarding the customer's needs. Introduces customers to the Association's process and the team members who will support the process.

DELIVER SOUND CREDIT:Gathers and documents customer financial information and application details, in compliance with lending requirements and in coordination with Rural 1st Loan Associates. Interprets and evaluates financial information and asks relevant follow-up and probing questions to determine the appropriate product or service. Recommends loan terms, conditions, and collateral position consistent with the request and associated loan risks; sets clear expectations with the customer, and documents pertinent customer information in association systems. Communicates credit decisions, loan terms and conditions to the customer.

SERVICE PORTFOLIO:Partners with the Rural 1st Construction team on the disbursement process in home loan construction projects. Partners with Rural 1st teams to complete servicing actions required for individual customer circumstances. Partners with the Customer Care team to monitor the portfolio for timely identification and servicing of loans that expose the association to risk. Using knowledge of servicing options, effectively negotiates and communicates these options to the customer, and may partner with the Special Accounts team for resolution.

Minimum Education & Experience:

Bachelor's degree in agriculture, business or related degree preferred. Successful experience, in trainee role or in a similar field. Generally competent with routine customers who have basic product needs.