Consumer Lending Officer
Fargo, ND, US, 58108 Jamestown, ND, US, 58401 Grand Forks, ND, US, 58208-3570 Minot, ND, US, 58702
AgCountry Farm Credit Services (AgCountry), Farm Credit Services of America (FCSAmerica) and Frontier Farm Credit are financial cooperatives that operate under shared management across eight states. While each association is owned by its local farmers and ranchers, they collaborate by pooling resources, expertise, and talent to provide affordable credit, crop insurance, and financial services.
Our associations are united by a common mission and commitment to serving rural America and supporting each other, which drives the success of the farmers, ranchers, and agribusiness we serve. We take pride in being a great place to work, and this enthusiasm is reflected in the relationships our team members foster with one another and with our customers.
Job Summary
**Incumbent can work from one of the following offices in the AgCountry footprint: Fargo, Grand Forks, Jamestown or Minot in North Dakota.**
We are seeking a Consumer Lending Officer specializing in purchase, refinance, construction loans and all consumer loans for our organization. Responsible for marketing the consumer lending product and building strong working relationships with business contacts. Provide knowledge of the consumer marketplace, available products and finance to fully understand the applicant(s) current and future needs and financial position to present the options that best meet their needs. You will be responsible for originating credit to his/her customers by assessing the request and obtaining business and financial information needed to determine the viability and profitability of the deal. You will be asked to lead the customer relationship and often coordinate with others to serve the customer’s loan, lease, crop insurance, and servicing needs.
Essential Duties & Responsibilities
SALES and RELATIONSHIP MANAGEMENT: Develop and maintain a professional presence and use effective sales and relational strategies to increase the Associations’ consumer market share in the assigned territory. This includes:
- Engagement in marketing and promotional activities throughout the assigned territory to support sales goals; maintain professional relationships with appropriate influencer groups, home mortgage professionals and organizations.
- Determine and define the appropriate customer interaction and coordinate the appropriate support of resources that may directly or indirectly provide service to the applicant(s). Effectively communicate with the applicant(s) and appropriate team members regarding the request.
- Introduce applicant(s) to teammate(s) who will support the process.
- Actively engage with support team members including daily processing and servicing of credit and participating in training, development and relationship building activities.
DELIVER SOUND CREDIT: In support of originating credit requests, the officer will:
- Gather and document customer financial information and application details, in compliance with consumer lending requirements and in coordination with appropriate team members.
- Assist customers in preparing an accurate list of assets and liabilities to establish current balance sheets as needed.
- Interpret and evaluate financial information and ask probing questions to determine the appropriate product or service needs of the applicant(s).
- Recommend loan terms, conditions, collateral position consistent with the request and associated loan risks and set clear expectations with the applicant(s).
- Communicate credit decisions, loan terms and conditions to the customer; resell deal as needed if terms change.
- Coach and counsel customers to meet future financial goals.
SERVICE PORTFOLIO: Provide the following on-going service and support:
- Provide oversight and monitoring of construction projects; coach and counsel when cost overruns apply.
- Review property inspections according to procedures.
Travel Time
- Percentage of time required to travel during the day - 50%
- Percentage of time required to travel overnight - 15%
Education Requirements
- Bachelor's degree, Real Estate, Business, Finance or Economics or related field is preferred
Years of Experience
-
Minimum of 2 years of experience preferred in Real Estate, Business, or Finance.
Certification and Technical Requirements
- Registered with the Nationwide Mortgage Licensing System and Registry (NMLS) or the ability to do so within 30 days of employment.
- Proficient in currently technology.
Why Us:
For qualifying positions, we provide a competitive benefits package designed to support health and well-being, financial security, and work-life balance:
- Health Benefits: Comprehensive medical, dental, and vision insurance
- Retirement Plans: 401(k)
- Paid Time Off: Vacation, sick leave, paid holidays, and parental leave
- Additional Benefits: Life and disability insurance, Employee Assistance Program (EAP), wellness programs, tuition assistance, and short-term incentive pay
For a comprehensive overview of our total reward offerings, click here.
About Us:
AgCountry has 45 offices, is based in Fargo, North Dakota and serves portions of North Dakota, Minnesota, and Wisconsin. FCSAmerica is based in Omaha, NE and has 42 local offices serving rural communities and agriculture in Iowa, Nebraska, South Dakota, and Wyoming. Frontier Farm Credit has six offices serving eastern Kansas. Together, we support nearly 82,000 producers and agribusinesses, meeting the needs of today’s agricultural industry with our combined 2600+ employees providing lending, risk management, technology, commodity marketing, and customer and employee education.
AgCountry Farm Credit Services, ACA, Farm Credit Services of America, ACA, and Frontier Farm Credit, ACA are Equal Employment Opportunity employers, and they comply with all applicable federal, state, and local fair employment practices laws.
Nearest Major Market: Fargo