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Company

Farm Credit Illinois

addressAddressUnited States
type Form of workFull time

Job description

Marion, United States Farm Credit IllinoisFull time
Description/Job Summary

The Assistant Vice President and Vice President of Lending maintains, grows, and services a portfolio while representing Farm Credit Illinois in the community and creating relationships with the people of rural America.

Responsibilities/Duties

Sales & Portfolio Management

Market Presence

Develops and maintains a professional presence in the ag community through active involvement in professional groups and community activities
Identifies key contacts and resources to build relationships with
Identifies key prospects and solicits referrals from team members, existing members, and other professional contacts
Identifies and demonstrates awareness of key agricultural and economic topics and proactively educates producers while providing sound risk management solutions
Develops a network of key contacts and resources throughout the local and regional agricultural and business communities
Researches and reviews data resources to identify opportunities and qualified prospects
Participates in member appreciation events, auctions, producer educational programs, and other public activities to build new and enhance existing relationship

Growth and Prospecting

Generates loan growth by seeking new business opportunities and manages an existing portfolio by identifying current member's needs.
Generates cross selling opportunities by promoting crop insurance and the Association's Collaborative Endeavors
Utilizes member relationship management software to organize and document member and prospect opportunities
Maintains an evolving prospect list and sales plan
Actively participates in branch and sales meetings

Business Expertise

Combines ag and business knowledge to understand each member's and prospect's current financial position
Identifies, articulates, and coaches to credit and management strengths and weaknesses
Provides innovative and workable alternatives to counsel and solve problems the member faces in their ongoing farm operations
Communicates credit decision and advises on the 5 C's of Credit
Maintains expertise on all loan products and services available in the marketplace

Operational Management

Loan Origination

Originates loan applications by assessing member and prospect needs
Determines how to meet the needs of the applicant and discusses loan structure, interest rates, collateral, amortization, payment schedule, etc. resulting in an optimal outcome for the applicant and Farm Credit Illinois.
Identifies additional business opportunities
Collaborates with teammates to ensure complete information has been obtained prior to hand off for formal processing

Credit Preparation and Collaboration

Collects and assesses qualitative and quantitative business and financial information and follows up for clarification and verification if needed
Prepares credit package for Credit Services Division by determining what business and financial information is needed
Analyzes the business and financial information, writes a supportive narrative, and pulls data together to prepare an application for submission
Collaborates with Credit Services Division on loan structure and terms to ensure a decision is made that is best for the member and association
Participates on loan committee to clarify and present information as needed

Loan Closing

Closes loans by ensuring all loan and legal requirements are met and accurate
Applies and upholds sound credit administration principles
Ensures member expectations are met and creates a positive member experience

Loan Servicing

Anticipates loan actions and servicing
Identifies risks within the portfolio and determines if corrective action is needed
Creates and monitors effective servicing plans
Monitors market conditions and proactively manages portfolio for the mutual benefit of our members and the association

Other Responsibilities (Variable)

Continuous Education

Attends educational events to build upon expertise in various aspects of agriculture, finance, and economics
Enhances knowledge pertinent to the geographical region or territory
Maintains a general understanding of crop insurance products and programs
Develops and maintains an understanding of state and federal agricultural programs

Training

Attends all necessary training to learn, grow, maintain all necessary expertise for the role
Participates in training of co-workers through information sharing, small group discussions, idea exchanges, job shadowing and mentoring
Participates in events or meetings which may involve public speaking

Committee Involvement

Participates in various committees to provide insight for and develop processes and procedures
Provides ideas and shares feedback

Data Security and Confidentiality

Appropriately protects the confidentiality, security, and integrity of the Association's systems and data and clients' data

Required Skills

General knowledge of ag macro and micro-economics

Skill in having perception of different dimensions of business issues and making sense out of complex issues while being decisive and flexible to change

Skill in negotiating complex agreements to achieve the best outcome for the organization

Skill in listening and conveying awareness of a member's problem or issue to find resolution

Skill in utilizing technology to increase efficiency

Skill in interacting and working effectively with others

Skill in utilizing a systematic approach to problem solving

Skill in differentiating significant and insignificant details

Skill in applying processes and procedures to factual data to make a logical decision

Skill in engaging, collaborating, and building trust amongst team members

Oral and written communication skills sufficient to discuss a variety of job-related topics, and to effectively communicate complex topics to a variety of audiences

Required Education

Bachelor's degree in business, finance, agriculture, or a related field

AVP Level - no experience required
VP Level - 3 years of experience in sales or an ag related field

Or an equivalent combination of education and experience sufficient to perform the essential functions of the job
Farm Credit Illinois - The previous day - 2023-09-20 10:55

Farm Credit Illinois

United States
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