Lending Officer

• Identifies potential customers by engaging in the community and talking with realtors, attorneys and others and researching landowner publications and legal documents.
• Utilize business intelligence reports to identify growth opportunities within the regional marketplace.
• Attends real estate, equipment, and livestock auctions to identify and engage with existing and potential customers.
• Build relationships with strategic partners to broaden individual networks and increase Association awareness throughout the regional marketplace.
• Represents Oklahoma AgCredit at community events, seminars, conferences, and similar events.
• Participates in and contributes to local community organizations.
• Contacts current customers to maintain strong customer relationships

• Develops relationships with new and existing customers as an area resource and to further business development.
• Contacts potential customers to understand their needs and introduce Oklahoma AgCredit’s products and services.
• Obtains loan applications with all required documentation.
• Provides information obtained from customers to Credit Team for credit analysis on all loans.
• Coordinates referrals for Consumer Loans with in-house Rural 1^st team.
• Loan renewals and annual reviews – facilitate with the Credit Team
• Submits appraisal requests.
• Ensures loan requirements are fully met.
• Notifies customer of decision
• Provides information on customers and closing contacts to Loan Processing Team (LPT) for the preparation of loan documents 

• Compiles and reviews loan documents prepared by Loan Processing Team (LPT) to ensure files meet high standards of external reviews.
• Ensures the association is in proper lien position.
• Attends and facilitates Loan Closings between Buyers, Sellers, Realtors, Lenders, and Closing Agents to ensure all parties properly execute closing documents.
• Obtains final Title Opinion/Policies after closing.
• Ensures loan is properly booked by reviewing and signing loan review memo

• Monitors loans and looks for rate conversion opportunities.
• Facilitates servicing actions including partial releases and releases of liability.
• Refinances loans and loan conversions
• Calls on delinquent accounts to develop a plan to resolve delinquency.
• Collects on loans after Association determines no other alternatives available to resolve, which may include court appearances or coordinating possession of collateral

• Schedules field inspections. 
• Identifies and evaluates proposed collateral.
• Takes and files photographs, location of chattels, sources of valuations, and summary of customer operations

• Completes education/certification requirements for chattel valuations.
• Attends internal and external training meetings and conferences.
• Review all credit related policies and procedures in PolicyTech

• Bachelor’s degree in agribusiness, agricultural economics, finance, business, or experience equivalent
• Lending Officer - 1 year of related experience in agriculture or a financial services role
• Or an equivalent combination of education and experience sufficient to perform the essential functions of the job

• Position requires frequent travel, 60% - 70% across Oklahoma AgCredit’s branch network.
• Meetings with borrowers may be during or after standard work hours based upon customer needs.

• Working knowledge of the agriculture industry, agricultural economics & marketing strategies
• Skill in reading and understanding income statements, balance sheets, tax returns and other financial reports.
• Skill in listening and conveying awareness of customer’s problem or issue to find a resolution.
• Skill in reasoning persuasively to sell or promote the Association’s products and services.
• Skill in utilizing various software applications to increase efficiency and/or effectiveness.
• Effective oral and written communication skills

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.