Loan Officer

Loudon, TN

Full Time

Experienced

HR Consulting Solutions, LLC is a national executive search firm that has been retained by River Valley AgCredit to conduct a search for a Loan Officer to work alongside their team in Loudon, TN.

POSITION SUMMARY

Develops new business and expands existing relationships in both the Agricultural Lending and Country Mortgage (Residential) segments. This role typically focuses approximately 70% on agricultural lending (including farm, equipment, and land loans) and 30% on residential mortgage lending for rural homeowners. Calls on potential customers, identifies credit needs, secures financial data for analysis, and makes proposals for new business. Makes sales calls to achieve Association-established goals. Maintains knowledge of Association products and services as well as knowledge of the industries in the market area served. Explains loan options, rates, loan fees, terms, and collateral requirements to loan prospects. Maintains effective supervision of loans through sound loan administration to ensure Association position. Seeks a high level of visibility to the target lending market within the assigned territory. Markets the Association by being a source of referrals for the other lending segments of the Association. Promotes financially related services to all current and prospective members.

PRIMARY WORK LOCATION

Loudon, Tennessee

REPORTS TO

Regional Lending Manager

SUPERVISORY RESPONSIBILITIES

None

MINIMUM EDUCATION AND EXPERIENCE

Bachelor’s degree (Master’s preferred) in Finance, Accounting, Business, or Economics.
Must be knowledgeable in areas of farm management and agricultural finance.

MINIMUM QUALIFICATIONS

Knowledge of laws, regulations, principles, procedures, and credit practices in the Farm Credit System and the Association.
Mortgage finance knowledge preferred.
Skilled in making sales calls and proposals for new business.
Superior knowledge of Association products, lending programs, and credit policies.
Excellent skills in judgment, leadership, initiative, and organization.
Provides referrals to other lending segments.
Demonstrated ability to analyze financial statements and assess creditworthiness.
Strong interpersonal and relationship-building skills with agricultural producers and rural homeowners.
Proven ability to meet sales goals through proactive business development.
Effective communication skills for working with borrowers, partners, and internal team members.
Ability to manage multiple loan relationships while maintaining accuracy and attention to detail.
Proficiency in Microsoft Office Suite and loan origination systems.
Self-motivated and able to work independently while contributing to a team environment.
Commitment to representing River Valley AgCredit positively within the community and promoting cooperative values.

MINIMUM POSITION RESPONSIBILITIES

Position responsibilities averaging approximately 60% of the workload:

Develop new business and expand existing relationships in both the Agricultural and Country Mortgage segments.
Call on potential customers, identify credit needs, and gather financial data for analysis.
Prepare and present proposals for new business opportunities.
Conduct sales calls to achieve individually established goals.
Maintain thorough knowledge of Association products, services, and the industries within the market area served.
Explain loan options, rates, fees, terms, and collateral requirements to loan prospects.
Make credit decisions on loans under delegated authority and recommend actions beyond delegated limits.
Work collaboratively with the Regional Lending Manager to remain within the established marketing budget.

Position responsibilities averaging approximately 40% of the workload:

Originate and administer loans in accordance with Farm Credit System and Association regulations.
Evaluate all loan actions for eligibility, repayment ability, and other risk factors.
Accurately document facts and sources used in the loan decision-making process.
Maintain effective supervision of loans to ensure the Association’s financial position.
Monitor customer financial situations, loan performance, and repayment activity.
Take appropriate corrective actions when necessary to mitigate risk.
Ensure loan pricing achieves maximum gross profit, consistent with market conditions and area characteristics.

BENEFITS OF WORKING WITH US

Competitive Salary
Performance Based Bonus (Incentive Pay)
Generous PTO (Vacation and Sick Time)
12 Paid Holidays
Medical, Dental, and Vision Insurance
401K Retirement Benefits (3% automatic contribution plus up to 6% match; 9% total)
Company Provided Life Insurance
Disability Coverage

We are an Equal Opportunity Employer and prohibit discrimination and harassment of any kind. Our company is committed to the principle of equal employment opportunity for all employees and applicants, providing everyone with a work environment free of discrimination and harassment. All employment decisions within our organization are based on business needs, job requirements and individual qualifications, without regard to age, race, color, religion, sex, gender, gender identity, sexual orientation, national origin, disability, veteran status, or any other status protected by the laws or regulations in the locations where we operate. We will not tolerate discrimination or harassment based on any of these characteristics.

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Do you currently reside in or near Loudon, Tennessee or within a reasonable commuting distance?*

The anticipated base salary for this position is approximately $50,000 annually, commensurate with education and experience. Is this compensation within your expectations?*

How many years of experience do you have in agricultural lending (farm, equipment, or land loans)?*

Please describe your experience with farm, equipment, or land loans.*

Have you worked directly with agricultural producers, farm families, or agribusiness clients?*

Are you comfortable evaluating farm financials, cash flows, and collateral related to agricultural operations?*

Have you worked with loan management or CRM software before? If so, which systems?*

Are you comfortable analyzing financial statements, tax returns, and cash flow as part of the credit decision process?*

How many years of experience do you have in residential or country mortgage lending?*

Have you originated or processed rural home loans or loans for country properties?*

Are you familiar with mortgage regulations, underwriting requirements, and loan documentation?*

Have you worked with loan management or CRM software before? If so, which systems?*

Are you proficient in Microsoft Office (Excel, Word, Outlook) and loan origination systems?*

This position requires maintaining relationships with customers, conducting on-site farm visits, and promoting the cooperative in the community. Do you possess experience with this level of outreach?*

Do you have a bachelor’s degree in Finance, Accounting, Business, Economics, or a related field?*

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