Credit Officer

• Verify a complete borrower packet prior to starting analysis.
• Enters and analyze customer financial documents and information utilizing the established software programs
• Review reporting output from scorecard and interprets results (if applicable)
• Analyzes credit to determine borrower’s Probability of Default (PD) and Loss Given Default (LGD) upon receipt of completed appraisal or PPV
• Makes final credit decisions within delegated authority and recommends credit decisions above delegated authority
• Determine approvals or denials based on Association underwriting standards
• Communicates status updates to Loan Officers throughout the Association
• Determines loan requirements
• Notifies lending officer of decision
• Provides information to Loan Processing Team (LPT) and lending officer for the preparation of loan documents

• Gathers information and data
• Runs, compiles and analyzes monthly and quarterly reports for Executives and/or Board of Directors

• Customer visits as appropriate
• Attend regional marketing events to assist with borrower relations and OAC brand awareness
• Assist regional marketplace with patronage events
• Attends internal and external training meetings and conferences
• Assist with mentoring and training team members or interns
• Review all credit related policies and procedures in PolicyTech

• Bachelor’s degree in Agricultural Economics, Agribusiness, Business, Accounting, Finance or equivalent

• General knowledge of accounting, credit and economic principles, practices and methods
• General knowledge of credit and economic principles
• Knowledge of Word/Excel/Outlook sufficient to create, update and save basic documents
• Skill in reading and understanding income statements, balance sheets, tax returns and other financial reports.
• Skill in applying processes and procedures to factual data to make a logical decision
• Skill in analyzing information to formulate logical and objective conclusions
• Oral and written communication skills, sufficient to exchange information effectively with peers, supervisor and customers

Important note: We care about your hiring process and take it seriously. A real person will review your application, meaning response timelines may vary. The interviewing process at Oklahoma AgCredit may include emails, texts, phone calls, and on-site interviews. We cannot personally follow-up with each applicant, and we will do our best to create a professional, respectful, and thorough process for candidates with whom we identify as a potential fit.