Loan Officer Trainee

If this sounds like you, we invite you to apply! Golden State Farm Credit is seeking a Loan Officer Trainee to join our growing Credit team in Kinsgburg or Hanford, CA.

The Loan Officer Trainee position is designed for individuals who are interested in developing a career in agricultural finance and lending. Working alongside experienced Loan Officers and Credit professionals, you will receive hands-on training in credit analysis, loan servicing, business development, and customer relationship management. Through a structured development program, you will gain the knowledge, skills, and experience needed to advance into a Loan Officer role within approximately two years.

Our team at Golden State Farm Credit is united in our efforts to support rural communities and the agricultural industry. We offer a unique work environment that encourages collaboration, continuous learning, and professional growth. Employees have the opportunity to work closely with industry experts, participate in meaningful projects, and build strong relationships with customers and colleagues alike. We value initiative, accountability, and a commitment to delivering exceptional service to our customers.

The Association reserves the right to hire a qualified candidate from the Loan Officer or Senior Loan Officer classification instead of the VP, Loan Officer or Loan Officer Trainee classification, depending on applicant experience and organizational needs.

Intrigued?  Want to know more?

Apply at Careers | Golden State Farm Credit ! Review the full job description below. 

DEADLINE TO APPLY:  Continuous Until Filled

Loan Officer Trainee Salary Range:  $63,472 - $95,754

In addition to salary, the Association has a team based incentive program that provides an opportunity for up to 15% payout of base salary based upon Association performance.

Position Summary:

The Loan Officer Trainee position will work closely with experienced Loan Officers to focus on developing relationships, servicing existing loans, and receiving professional development to obtain the knowledge, skills and abilities to advance into a loan officer role. This position performs duties under close supervision while in a training program with the expectation that incumbents will achieve qualifications to advance into a loan officer role within two years.    

Essential Functions:

Credit Analysis (60%)

• Works closely with loan officers, Team Lead, and other team members to gain a sound understanding of credit analysis and business development including loan pricing.


• Assists Loan Officer in collecting and entering data from customers and potential customers into internal software. 


• Analyzes financial data and makes recommendations for loan structure, terms, and conditions.


• Meets with current and new customers to gather, update, and review financial and scope of operation information to determine eligibility


• Work with management and teams to gain an understanding of the purpose and processes involved in performing credit reviews. May assist senior-level staff with credit reviews. 


• Services loans, including interest rate conversions, MERLOC extensions, re-amortizations, partial releases, fixed rate pricing assumptions, and collateral analysis


• Works with Team to identify and develop plans to reduce risk for at-risk credit 


• Enters additional credit information into software 


• Verifies documentation is accurate with title companies, legal department, and internal loan software

Training, Education, and Development (40%)

• Attends loan officer and credit analysis development training courses as assigned


• Works directly with experienced loan officers and credit analysts to gain experience of the entire loan process from start to finish


• Goes on customer visits and meetings with loan officers to observe loan officer-customer interactions


• Takes on new responsibilities as their experience grows, eventually meeting with customers and taking loans from application to closing


• Support credit teams/branches on an as needed basis

Data Security and Confidentiality

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

Commitment and Support of Association Mission

• Understands, applies, and supports the Association mission and vision statement in a positive, professional manner at work and with customers in all settings

Knowledge and Skills:

• Develop knowledge of the agriculture, financial and real estate industry, and applied business mathematics and principles.


• Proficiency with Microsoft Office Suite, computers, current software, and other office tools.


• Ability to effectively read, write, and communicate in the English language.


• Skill in serving and working effectively with both external and internal customers in a professional, respectful manner.


• Skill in analyzing information and problem solving to formulate logical and objective conclusions.


• Basic knowledge of accounting principles, practices, and methods including financial statements and Generally Accepted Accounting Principles (GAAP


• Enhance knowledge of credit analysis and regulatory requirements with respect to borrower’s rights.


• Develop knowledge of title issues, easements, tax law, title and escrow, state and federal ag regulations, appraisal concepts, processes and procedures, lending practices, farm business management, and other industry terminology. 


• Skill in establishing and maintaining relationships with a variety of internal and external organizations and the community to advance the organization's interests and grow/maintain business.


• Skill in educating, promoting, and selling credit products to customers.


• Skill in communicating complicated information, delivering bad news, and negotiating complex agreements effectively to achieve the best outcome for the Association.

Qualifications:

• Education:  Bachelor’s Degree in Agriculture, Agribusiness, Business, Finance, or a related field


• Experience: General knowledge of accounting/financial systems. 0-2 years of experience in sales, lending, credit, or other related work. 


•  Or an equivalent combination of education and experience sufficient to perform the essential functions of the job

Experience and portfolio size can differ depending on experience and level of applicant.

PHYSICAL DEMANDS:

Positions in this class typically require: keying, talking, hearing, seeing, and repetitive motions.
Sedentary Work: Exerting up to 10 pounds of force occasionally to lift, carry, push, pull or move objects. Must be able to remain in a stationary position most of the time. The employee must be able to prepare and analyze data and figures; transcribe data; understand information communicated via computer screens and in written text.

WORKING CONDITIONS:
Employees work in an office environment with moderate noise levels, controlled temperature conditions, and no direct exposure to hazardous physical substances. Employees may interact with upset staff and/or public and private representatives in interpreting and enforcing departmental policies and procedures. This position requires approximately 10-50% travel time.

The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time as needed. Golden State Farm Credit is an Equal Opportunity Employer and provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to: race (including traits historically associated with race, such as hair texture and protective hairstyles), relation (all aspects of religious belief, observances and practices including religious dress and grooming practices), color, national origin, ancestry, identity, gender expression, actual or perceived sexual orientation, marital status, military and veteran status, civil air patrol status, age, physical or mental disability, genetic information or medical condition, except where physical fitness is a valid occupational qualification or any other consideration made unlawful by federal, status or local laws. Applicable law also prohibits unlawful discrimination based on the perception that anyone has any of the foregoing characteristics. “National origin” also includes discrimination against an individual because of their primary language or because that person holds or presents the California driver’s license issued to those who cannot document their lawful presence in the United States, as well as discrimination based upon any of the following: an indivuduals' or the indivuduals' ancestors’ acutal or perceived physical, cultural, or linguistic characteristics associated with a national origin group; marriage to or association with individuals' of a national origin group; tribal affiliation; membership in or association with an organization identified with or seeking to promote the interests of a national origin group; attendance or participation in schools, churches, temples, mosques or other religious institutions generally used by persons of a national origin group; or a name that is associated with a national origin group An applicant’s or employee’s immigration status will not be considered for any Association employment purpose except as necessary to comply with federal, status or local laws. California law also prohibits discrimination against individuals providing services in the workplace pursuant to a contract, unpaid interns and volunteers on the basis of actual or perceived race, color, creed, religion, sex, physical or mental disability, genetic information or age. This applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.