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VP Lending

Bellville, TX, USA | Farm Credit Bank of Texas

  • Industry:
    Banking / Investment Banking
  • Position Type:
    Full-Time
  • Functions:
    Financial Services Professional
    General Management
  • Experience:
    5-7 years
Job Description:
61 people have viewed this job

An outstanding company-wide incentive program

Accommodating and flexible vacation and sick leave

12 paid holidays

401(k) plan with up to a 9% employer contribution/match

Affordable health, dental, and vision plans

Employer paid life insurance and disability

Tuition reimbursement

Up to $400/year wellness reimbursement

EDUCATION REQUIREMENT:

Bachelor’s degree in Business Administration, Finance, Agricultural Economics, or a related field, or equivalent experience.

JOB REQUIREMENTS:

Five or more years of progressively responsible banking or related agricultural lending experience.

This position will require registration under the National Mortgage Licensing System and a successful candidate must meet the association’s requirements to be a registered Mortgage Loan Originator.

Good standing in current and/or previous employment.

FUNCTIONS:

Responsible for developing new business in addition to servicing existing, commercial and real estate customers. Establishes business relationships with agricultural producers, rural land owners, and business leaders in the community and cultivates these relationships to expand lending opportunities.

Represents the association at local community activities.Promotes the association by maintaining good public and member relations.

Makes and services loans and leases within delegated authority and in accordance with association policies.Makes and/or conveys decisions on loan approval, structure and pricing. Responsible for exercising credit risk management responsibilities on loans within area of responsibility.

Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.

Complies with proper credit administration practices as outlined in the association’s policies and procedures.

Processes and services large and complex loans. Conducts complex credit analyses including those that involve multi-entity transactions with accrual accounting systems.Analyzes balance sheets, income statements, and cash flows of potential borrowers to ascertain creditworthiness.

Performs loan servicing responsibilities and assists with monitoring and reporting portfolio conditions such as additional advances, extensions and conversions. Assists in training less- senior loan officers and credit personnel to ensure quality loan services and attainment of the Association’s credit goals.

Performs collections on assigned loans and assists management with collections on all loans in the portfolio.Works with delinquent borrowers to obtain satisfactory loan performance.

May assist with the title examination on prospective loans to ensure validity of liens on property pledged as collateral or security interest on chattels.Prepares loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA policies and regulations.

PREFERRED SKILLS:

Strong sales skills.

General knowledge of accounting/financial systems. 

Specialized knowledge of accounting/finance principles. 

Skill in oral and written communication.

Intermediate skill level in Microsoft Office applications. 

Ability to perform intermediate to advanced-level accounting/financial analyses under limited supervision.

SALARY:

Commensurate with experience


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