Credit Representative at Farm Credit East

Description/Job Summary Join a team focused on the success of our customers the success of our communities and the success of each other. Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm forest product fishing and other agricultural business owners across the northeast with $13.5 billion in total loan volume and $29 million in annual financial services revenue from 18000 customers across our 8-state territory. We are One Team Working Together with a focus on our five pillars: Outstanding Customer and Employee Experience Quality Growth Operational Excellence Commitment to our Communities and Protecting Customer Information.As a Credit Representative your job is to make loans to existing and new farm customers who meet Farm Credit Easts underwriting requirements. Loan products include but are not limited to annual lines of credit equipment debt and real estate financing. This role includes understanding clients financials to determine appropriate lending products and communication with customers about those loan products. Marketing to new customers is a priority thus this role also includes cross selling other Farm Credit East products and services (payroll consulting crop insurance record keeping services andtax preparation etc.) to existing and potential customers. All of this is done with the goal of helping our customers be successful in their enterprises by providing valuable solutions to their business needs.Daily job varies from meeting with clients reviewing their financials negotiating termssubmitting the loan for approval and closing the deal. Marketing is a requirement; those who are outgoing and willing to take the time to know existing and potential clients needs and match products and services to those needs will be most successful. Team player positive attitude and the ability to work with peers within the home marketplace the region and across Farm Credit East are required attributes of the lender.Come join a collaborative customer-focused team at Farm Credit East!Duties and ResponsibilitiesCustomer CentricManages the day-to-day customer relationships of credits within your respective customer segment (Retail)Proactive portfolio management by understanding and analyzing industry trends market data and customer knowledge leading to a consultative lending approachPositions a team approach serving as the lead for all customer facing activities with support from loan coordinator andfinancial servicesCreates and maintains a documented 360-degree view of the customer in the core application to maximize the customer experienceWork collaboratively with teammates to generate cross-selling results and a best-in-class customer experience through a cohesive and holistic approachProvides functional guidance to credit analysts loan documentationspecialists and other roles to ensure customers requirements are met while conforming to credit policy and requirementsMonitors borrowers within assigned loan portfolio to document compliance with terms and conditions covenants inspections credit quality and risk assessment to ensure a safe and sound portfolioMeets with existing and prospective customers to review financials propose loan structure evaluate pricing options and address short-term and long-term objectives of the borrowerBusiness DevelopmentAchieve growth targets by performing business development activities that expand existing customer relationships and bring new customers to the AssociationSeeks and vets both traditional and non-traditional opportunities ranging from the farm to the agri-business along with all participants of the ag value chain who are credit worthy and eligiblePrioritizes high value add interactions with customers day in and day out through active relationships and sound customer understandingPromotes the FCE brand in their regionBuilds and nurtures Centers of Influence (community presence network and external partners) to generate new referralsUtilizes the 360-degree view of the customer to drive cross-selling opportunities identify collaborate generate or act upon internal referrals to or from other segments of Farm Credit EastDevelops expertise and working knowledge within Ag segments serving as a Trusted AdvisorEmbraces the transformation of the Association through adoption and utilization of new processes procedures and digital tools with the intent to deliver a high-level customer experienceJob Qualifications and Requirements:This position requires a Bachelors degree in Economics Finance Accounting Business or a related field. Knowledge of agriculture finances credit and credit administration is preferred. Strong marketing and interpersonal skills are required as are verbal and written communications and analytical skills. Must be team oriented. The position requires the ability to travel as needed. We offer hybrid work options after two weeks of employment with Farm Credit East. Hybrid work options are determined based on job role and balancing the needs of the customers the team and individual work performance. This will be reviewed based on manager discretion.Compensation and Benefits:Salary Range: $55000 to $95000 commensurate with experienceShort-Term Incentive to reward business resultsRetirement Contributions :401k match up to 6% of salary;or for those unable to take full advantage of the 401(k) match verified student loan payments may qualify for an employer match in your 401(k) up to 6% of salaryDefined Contribution retirement plan funded at 2-9% of salary depending on years of serviceTime Off:15-25 days of vacation leave per year depending on years of service12 days of holiday leave per year7.5 days of sick leave in your first year followed by 12 days of sick leave per year thereafter; unlimited rollover of unused sick leave year to yearPaid Parental Leave: Up to 80 hours of paid leave for birthing non-birthing and adoptive parents Family Care Leave: Additional leave options available under FMLA and company policy Health and Insurance:Comprehensive medical dental and vision plans including preventive care and wellness programs to support your overall health and well-beingHealth Savings AccountLife insurance at 2x base payAccidental Death and Dismemberment insurance at 2x base payLong-term disability insurance at 2/3 base payAdditional Benefits:Tuition reimbursementContinuing education and trainingEmployee Assistance Program offering a wide variety of tools and resourcesFarm Credit East is an Equal Opportunity Employer. As an Equal Opportunity Employer we do not discriminate on the basis of race color religion national origin sex sexual orientation gender identity or expression age marital status parental status political affiliation disability status protected veteran status genetic information or any other status protected by federal state or local law. It is our goal to make employment decisions that further the principle of equal employment opportunity by utilizing objective standards based upon an individuals qualifications for a specific job compliance with the Americans with Disabilities Act (ADA) if you have a disability and would like a reasonable accommodation in order to apply for a position with Farm Credit East please call 1- or e-mailRequired Experience:Unclear Seniority Key Skills Data Entry,Deputy,Drafting,Hibernate,Administration Support,Activex Employment Type : Full Time Experience: years Vacancy: 1 Monthly Salary Salary: 55000 - 95000