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VP - Lending

Company: American AgCredit
Location: Merced
Posted on: December 4, 2018

Job Description:

The VP - Lending is responsible for managing the account relationship of a portfolio consisting of complex, large market and atypical commercial and/or real estate loans; approving/denying loan applications, servicing loan portfolio; developing and marketing new business and is active in community relations' activities; and formulating and implementing plans for handling loan-related assets, collections and foreclosures when needed/trains new employees. ESSENTIAL DUTIES: 1) Establish overall profitability targets for the portfolio in conjunction with Association profitability targets. 2) Establish and manage credit quality targets for the portfolio. Develop and achieve credit quality goals including appropriate intervention measures to maintain the quality of the account. 3) Review approval or approve the extension of credit to certain accounts within delegated authority. 4) Conduct and/or assist with negotiations with sensitive, large, complex, or non-typical loans. Monitor and follow up on problem loans and recommend appropriate action. 5) Manage the day-to-day customer relationship of complex, highly visible accounts. Regularly meet with customers to keep abreast of information concerning their businesses, needs, strategic direction, and earnings to determine business opportunities. Assist other Loan Officers by providing leadership and guidance in their relationships with customer and marketing techniques. 6) Analyze current outstanding loans to ensure complete conformity with terms and to maintain awareness of developing trends. Establish account servicing plans and analyze results. 7) Develop new business by conducting marketing calls, involvement in community and industry functions, and providing timely service to customers. 8) Provide functional guidance to Loan Officers and Credit Analysts on policies, procedures, and other credit matters. 9) Communicate and promote the availability of other financially related services. Perform other functions assigned. TYPICAL EDUCATION AND EXPERIENCE: 1) BA/BS degree with emphasis on agriculture, business administration, or equivalent. 2) At least ten years progressively responsible banking or related agricultural lending experience. 3) Demonstrated credit and analytical skills. Working knowledge of agricultural lending principles and practices, and association and Farm Credit System operating policies and procedures. 4) Knowledge of FCA regulations, Association and District policies and procedures. 5) Demonstrated proficiency in organizing and prioritizing work to meet deadlines. 6) Exceptional written and verbal communication skills. 7) Exceptional persuasive and interpersonal skills. Demonstrated proficiency in leading and motivating others. 8) Proficient in use of PC, including word-processing, e-mail and electronic spreadsheet software. JOB REQUIREMENTS: Must have the ability to perform basic office tasks and work in a typical office setting. Employee will be sitting for extended periods of time and accomplishing work at a desk and work at a computer for an extended period of time. Must have strong written and verbal communication skills to adequately convey ideas and work well with a team. Ability to talk and hear, sit and use their hands and fingers, and reach in all directions is essential in performance of the job. Some lifting and moving of items up to 25 pounds required. In the course of conducting inspections, must have the ability to walk -- mile, navigate steep terrain and/or construction sites and safely cross fences. Work during established business hours and may require occasional weekend and/or evening work.

Keywords: American AgCredit, Merced , VP - Lending, Executive , Merced, California

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