JOB DESCRIPTION
If you're looking for an exciting career in the ever-evolving agriculture industry and want to help improve rural America in our local community, Central Kentucky Ag Credit might be the place for you. We are looking for someone to join our lending team at our office in Lexington, Kentucky.
Employees are eligible for medical, dental, vision, and life insurance, a generous 401K match, and a vacation and sick accrual schedule that can compete with any organization. Central Kentucky Ag Credit employees generally do not work weekends, evenings, and are off on 12 holidays each year.
Central Kentucky Ag Credit is part of the Farm Credit System, which is a nationwide network of cooperative lending institutions that provide credit and financially related services to farmers, ranchers and their cooperatives. With more than 100 years of agricultural lending experience, the System is the largest single producer of agricultural credit in the United States.
The cooperative structure of Central Kentucky Ag Credit allows farmer-borrowers to own and control the Association and keeps the Association committed to serving rural credit needs. This is an important feature that sets the Association apart from most other commercial lenders.
Loan Officer Trainee
This team member will be involved in all aspects of the lending process for current and prospective customers throughout central Kentucky. This position will be accountable for the promotion and delivery of sound credit to customers in the central Kentucky area. The customer base is a diversified mix of beef cattle, equine, row crop and tobacco farms. Within delegated authority, the position is responsible for managing credit quality, credit administration and portfolio performance. This position will develop new business and work in a traditional branch structure to ensure that the needs of customers and prospects are met.
Responsibilities
Actively develops new business and expands existing relationships. Proactively researches customer needs to match to bank products and services. Is visible and involved in the communities we service.
Manages the lending process for each customer from beginning to end - interviews applicants, analyzes financial and credit information, determines risk, and makes timely and accurate decisions. Communicates credit decisions to loan applicants.
Services active loans in order to retain a high level of loan quality. Reviews the progress of each loan in their portfolio, communicates periodically with loan customers, reviews and inspects collateral, and monitors each loan's status. Provides sound guidance to customers when needed.
Core Values:
Candidate should be able to act as a self-starter, looks for new and improved procedures, and evaluates alternatives.
Candidate should treat others with respect and fairness, value diversity, cooperate with fellow employees, and create a positive image.
Candidate should be able to establish priorities, develop goals and plans, follow up on tasks, effectively manage their time, and meet deadlines.
Candidate should be able to convey ideas and thoughts clearly and concisely, have effective professional writing skills, listen and seek to understand, and keep others informed.
Candidate should be dependable, responsible, punctual, possesses and attention to detail, reliable, and act with integrity.
Candidate should be willing to grow their knowledge of their role, the company, and others skills.
Requirements:
Bachelor's degree in business administration, agriculture, economics, finance, or related field
Must possess strong analytical, judgment and communication skills
Farm background with related practical experience and/or experience with a financial institution preferred
Central Kentucky Ag Credit is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or national origin, age, disability or veteran status. Central Kentucky Ag Credit maintains an environment where each individual is valued and respected.
If you need assistance or accommodation due to a disability, you may email us at inquiry@ckaca.com.
ABOUT US
If you're looking for an exciting career in the ever-evolving agriculture industry and want to help improve rural America in our local community, Central Kentucky Ag Credit might be the place for you.
Central Kentucky Ag Credit is dedicated to providing a great work environment for our employees. Ag Credit provides:
- Competitive compensation
- Comprehensive Benefits Package including medical, dental, vision, life insurance and 401(k) plan
- Advancement Opportunity
- Training and Leadership Development
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