Now Hiring a Corporate Lender
The Corporate Lender Markets and develops business opportunities with corporate
agribusiness borrowers by providing sound credit solutions and related financial
services in accordance with Association policies, standards, and procedures.
Negotiates loan terms and structures, performs comprehensive credit and risk
analyses, and develops appropriate servicing strategies for large, complex, and
sophisticated lending relationships. Demonstrates extensive knowledge of
agricultural production, agribusiness operations, and industry trends within the
Association's market area and is recognized as a trusted financial expert.
Develops and executes business development strategies to identify growth
opportunities, strengthen customer relationships, and expand the Association's
market presence. Works with the Association's largest and most complex
borrowers, including agricultural processing companies, cooperatives, and
similar entities. Manages credit relationships that often require complex loan
structures, syndicated or participated lending arrangements, and customized
financial solutions to meet borrower needs while maintaining sound credit
quality and portfolio performance. Candidate must be located within the Farm
Credit of Florida Territory.
Responsibilities:
Provides excellent customer service on the assigned portfolio
Knows the area served and assesses competition including products and
pricing.
Implements a marketing strategy for current borrowers and potential customers
and strives to be the lender of choice.
Maintains a current list of existing customers, referral sources, prospects,
centers of influence, key people in assigned sales area/community and calls
on them regularly.
Participates in trade/civic/community organizations to increase business
opportunities.
Refers residential loans/leases/crop insurance opportunities to team
members.
Is knowledgeable of products and can easily explain loan options, interest
rates, repayment terms and collateral requirements. Gathers relevant
information for the selling and underwriting process.
Determines creditworthiness of loan requests and coordinates with
underwriting process. Utilizes delegated authority to make credit decisions
on loan requests and communicates decisions to customers.
Closes loan requests per policy and procedure and responds promptly to
customer questions and concerns.
Documents use of good judgment by complying with laws, policies and
procedures.
Determines eligibility and provides appropriate scope of financing. Verifies
borrower information when appropriate.
Requests timely, quality financial information and production records.
Uses differential analysis techniques and assesses risk factors and
implements controls to counterbalance risk.
Accurately and timely classify loans, using risk ratings and loss given
default (LGD) guidelines.
Is proactive by developing loan servicing plans for monitoring credit risk.
Takes corrective action, corresponding on delinquent accounts. Ensures timely
follow-up on compliance issues.
Counsels customers seeking solutions to financial problems and is responsive
to requests for loan treatments.
Works closely with other lenders, analysts, and Loan Servicing Team to
maintain Association standards and business plan goals. Serves on Loan
Committees when appropriate.
Monitors the loan portfolio for any natural, economic, or catastrophic events
that would potentially affect loan performance and credit quality.
Monitors the customer’s financial situation, loan performance and repayment
ability.
Conducts timely field inspections of collateral or request new appraisals
when appropriate.
Uses government guarantees to mitigate risk. Ensure your portfolio meets ACA
revenue goals.
Makes proper decisions, adequately documents and explains work. Perform other
tasks as required or assigned.
To qualify for this position, candidates should possess the following:
Education: Bachelor’s degree in business, economics, finance or agriculture or
equivalent work experience.
Experience: Minimum of five (5) to eight (8) years agriculture-related credit
work experience or commercial finance or relevant agriculture management
experience.
Other Skills and Abilities:
Skilled in marketing and loan servicing of large agri-business commercial
loans
Ability to work independently
Excellent customer contact skills
Accounting skills are essential
Strong consumer and commercial lending skills
Capability of handling high stress situations in a business and professional
manner
Ability to negotiate complex transactions
Professional appearance, strong communication skills and work ethic
Ability to use discretionary judgment in making sound decisions and solving
problems
Good supervisory skills and the ability to effectively motivate and manage
direct report(s))
Farm Credit of Florida is an Affirmative Action/Equal Opportunity employer,
including veterans and individuals with disabilities. Drug free workplace.