3 days old
2017-12-132018-01-11

Relationship Officer (Level: 25E) Closing Date: 12-12-17

Frontier Farm Credit
WyoBraska Region
  • Job Code
    13016
Farm Credit Services of America or Frontier Farm Credit Job Postings
Relationship Officer (Level: 25E) Closing Date: 12-12-17
Job Title: Relationship Officer (Level: 25E) Closing Date: 12-12-17
Job Type: Full-Time
Location: WyoBraska Region, MULTIPLE
Post Date: 11/28/2017
 
Job Description:

POSITION REPORTS TO: Regional Vice President

Focus on accounts in criticized volume capacity viewed to be viable and able to return to successful status within the Associations in designated region. Help customers return to a viable financial position working directly and indirectly with local teams through restructuring, borrower counseling, creative credit packages and resolution of distressed accounts if needed. Provide counseling to Credit Analysts and retail Financial Officers on loan structure, terms and conditions, pricing, and documentation for loans with significant credit weakness. Work in a team environment to accomplish goals.

EMPLOYEES SUPERVISED:
None.

DUTIES AND RESPONSIBILITIES:
Essential functions of the position include, but are not limited to:

RELATIONSHIP OFFICER RESPONSIBILITIES
1. Serve as a specialized resource focused on “criticized volume” not assigned to the Credit and Resolutions Team (CART) exhibiting a strong level of patience and creativity to arrive at suitable solutions. Will act as a key influencer with customers and/or Financial Officers and work with Credit Analysts in assigned Region to address customer situations in or approaching OAEM status. This includes establishing and maintaining sound credit and loan administration, loan pricing, and establishing appropriate loan terms and conditions for the purpose of managing the loan risks for a variety of loans to include large and complex accounts.
a. Financial Officers with significant experience handling a broad range of issues will serve as primary contact with customer working with the Relationship Officer behind the scenes.
b. Will serve as primary customer contact when partnering with Financial Officers with limited experience..

2. Manage assigned portfolio in accordance with Associations’ and AgriBank policies and procedures resulting in the greatest net return/best business decision. Work towards designated account retention and returning accounts to viable account status levels. Primary responsibility is prevention of loans entering special classification and reduction of non-earning assets through restructuring, borrower counseling and/or collection and resolution of distressed. Analyze customer financial statements, including balance sheets, trend analysis, income statements, cash flows, collateral analysis, and performance reconciliation.

3. Serve as primary compliance officer on assigned loans and ensure the Associations’ are within compliance of settlement laws and procedures. Contribute to the achievement of satisfactory Association credit administration and credit quality goals in assigned portfolio through building consensus of involved parties.

4. Monitor loan performance on assigned portfolio. Provide timely, efficient service to all internal and external customers to ensure completion of follow-up actions of loan servicing plan.

5. Primary responsibility for obtaining the necessary customer data through reports and systems by working with members of the Risk team and Account Specialists. Design innovative credit packages to meet customer and prospect needs. This includes establishing and maintaining sound credit and loan administration, loan pricing, and establishing appropriate loan terms and conditions for the purpose of managing credit risk. Incumbents’ will communicate with customers and internal less experienced team members in lay terms and follow through to hold customer accountable for agreed upon actions and steps.

Additional functions of the position may include:
1. Performs other related duties as assigned.

JOB SPECIFICATIONS:
Ideal candidate will have a bachelors degree in business, finance and/or economics, with eight to twelve years of lending/credit analysis experience, to include experience in the full economic cycle of agriculture, with the Farm Credit System or a related agricultural credit organization. Completion of or the ability to complete within 60 – 90 days Borrower’s Rights Training, Lenders Liability Training, Criminal Referrals Training and Credit Training.
Duties require:

• Strong, diverse industry knowledge and able to understand a wide variety of farming operations
• Strong Credit experience to devise best options for refinancing/restructuring loans
• Excellent skills in judgment, decisiveness and analysis and ability to appropriately respond and react quickly as situations dictate
• Excellent communications (both oral and written) and interpersonal skills especially during difficult conversations,
• Excellent negotiating and influencing skills.
• Ability to maintain professional composure in high stress and complex situations and hold individuals internal and external to the Associations’ accountable for agreed upon courses of action.
• Strong organizational skills
• A general working knowledge of our Associations’ processes.
• Comprehensive understanding of credit extension and loan administration.
• Comprehensive knowledge of Farm Credit Services of America and Frontier Farm Credit’s financial products and services. In-depth understanding of agricultural finance and farm production methods, products, and profitability.
• In-depth knowledge of FCA regulations and our Associations’ policies.
• Maintains current awareness of social, economic, governmental, and environmental forces impacting agriculture.
• Knowledge of and ability to use applicable computer systems and databases (i.e. Agrilytic, SI, Collateral Hub, visual valuation, etc.)
• Ability to interpret policy, programs, and regulations.

INTERNAL/EXTERNAL CONTACTS:
Extensive contact with Regional Leadership Team members, retail office staff, Appraisers, Insurance Officers and Insurance Account Specialists, Credit Underwriting, and customers. Regular contact with Omaha staff, influencer group members, state and regional farm agencies and financial institutions.

MENTAL AND PHYSICAL REQUIREMENTS:
• Flexibility and adaptability to adjust to rapidly changing situations and ability maintain mental and emotional composure
• Ability to have difficult/sensitive conversations with tact and negotiate best outcomes for all parties involved
• Ability to use computer. This involves reading the screen and keying/typing information and the ability to use and understand various computer software (i.e. Windows environment using Word, Excel and Internet Explorer) related to carrying out essential responsibilities of the position.
• Ability to work effectively in a team environment and effectively demonstrate team building attitude and skills.
• Ability to reason, judge, compare, calculate, evaluate and critique such information as written materials, numerical data, responses to customer needs and/or other work related activities.
• Ability to complete work in an acceptable timeframe and manage a variety of detailed tasks and responsibilities simultaneously and with accuracy to meet deadlines, goals, and objectives and satisfy internal and external customer needs related to the job.
• Ability to understand and explain various subject matter and consult on concepts, programs, terminology and methods.
• Ability to operate the telephone and respond to calls and in-person inquiries.
• Ability to move about the office with occasional reaching and bending.
• Ability to successfully interact with and represent the organization to staff, officers, board members, customers, industry specialists, and the public at all levels.
• Ability to travel by auto or commercial transportation (up to 40 – 60% with some overnight travel, to carry out essential responsibilities).


Requirements of the job include the ability to do the work, with or without reasonable accommodations. It is the Association's policy to make reasonable accommodations for individuals with disabilities. Leadership retains the right to add, subtract or change duties of the position at any time.

This document does not create an employment contract, implied or otherwise, other than "at will" employment relationship.

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

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Relationship Officer (Level: 25E) Closing Date: 12-12-17

Frontier Farm Credit
WyoBraska Region

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Relationship Officer (Level: 25E) Closing Date: 12-12-17

Frontier Farm Credit
WyoBraska Region
Multiple

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