Company Profile: Legacy Ag Credit, ACA is a full-service, locally owned cooperative lender specializing in financing rural land and agricultural operations in Northeast Texas. We are headquartered in Sulphur Springs and have six (6) offices conveniently located across the northeastern region of Texas in Sulphur Springs, Canton, Gilmer, Terrell, Longview, and Marshall. Part of the Farm Credit System, we provide financing for farms, timberland, recreational property, agribusinesses, and rural homes.
Education and Experience Requirements: Bachelor's degree in Business Administration, Finance, Agricultural Economics, or a related field, or equivalent experience and three (3) to five (5) years or more of progressively responsible banking or related agricultural lending experience. Experience should include a broad understanding of lending regulations, credit operations, and credit practices.
Job Purpose and Scope: Responsible for initial relationship and follow-up with mid-size prospects. Develops and implements select customer referral strategies in order to increase client satisfaction and loan portfolio growth for the Association. Has direct responsibility in the development of the association's market share. Manages and maintains current business relationships and seeks new accounts.
Essential Functions
Concentrates primarily on generating new business and developing a loan portfolio through direct solicitation origination of eligible loans.
Monitors business relationships and credit compliance of originated loans.
Evaluates needs of potential clients and provides appropriate financial solutions.
Ensures proper loan underwriting and structuring is achieved through enforcement of loan policies and that they are properly approved in accordance with loan authorities and in conjunction with the centralized underwriting units.
Makes calls on borrowers, potential borrowers and other contacts to generate new business.
Manages and monitors respective loan portfolio and status of all exceptions and past dues on business and consumer loans in accordance with loan policy working in conjunction with reports from the centralized underwriting units.
Provides ongoing relationship servicing, including the resolution of service issues of clients.
Skill Requirements: Excellent interpersonal relations, public speaking, administrative and communication skills are required. Strong analytical skills, the ability to evaluate financial statements as well as identify and implement corrective actions when needed. Knowledge of business practices in mortgage and commercial lending, including credit standards, real estate appraisal, internal controls, financial management, public and member relations, and marketing techniques.
Benefits: Our comprehensive benefit program includes, but is not limited to:
An outstanding company-wide incentive program
Accommodating and flexible vacation and sick leave
10-12 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
To Apply: If you're interested in joining the Legacy Ag Credit team and meet the minimum requirements for this position, please send your resume to:
Legacy Ag Credit, ACA ATTN: Sherry Sturgis, Senior Vice President/Chief Administrative Officer 303 Connally Sulphur Springs, TX 75482 Sherry.Sturgis@legacyaca.com
