Senior Loan Officer

Job description

Summary Serves present and prospective members/customers with sound, productive short, intermediate and long term agricultural credit according to district policies, standards and procedures. Promotes related services to all current and prospective members. Services all assigned existing loans within delegated authorities. May train and direct less experienced loan officers. Responsibilities/Duties: - Develops new business by actively pursuing new individual and business customers and by becoming a visible and involved member of the community. - Expands existing relationships by proactively researching customer needs and matching bank products and services to those needs. - Interviews applicants, gathers, analyzes and reconciles complete, accurate credit and financial data using the five credit factors under the guidelines of differential analysis. - Determines credit risk and makes timely and accurate decisions. - Establishes and renegotiates credit terms, when necessary. - Inspects or appraises collateral as needed or applicable. - Communicates credit decision to loan applicants. - Services loans in portfolio to retain high loan level quality. - Reviews progress of loans on a per...