Heritage Land Bank provides innovative financing solutions other banks simply can't offer when it comes to rural real estate, agricultural operations, agribusinesses and country homes. Founded in 1917, Heritage Land Bank is a member of the Farm Credit System, a nationwide network of rural lending cooperatives. With headquarters located in Tyler, Heritage Land Bank operates across 16 Texas counties ranging from Dallas-Fort Worth to Lufkin. To learn more, visit heritagelandbank.com.
Education and Experience Requirements:
Bachelor's degree in Business Administration, Finance, Agricultural Economics, or a related field. A minimum of two years or more of experience in banking, credit, or other agricultural lending. Excellent oral and written communication skills are essential. Should be proficient in Microsoft Office applications and have the ability to perform accounting/financial analyses under moderate supervision. General knowledge of farming and ranching along with the understanding of rural living is a plus.
Job Scope:
Responsible for developing new loan business in addition to servicing existing production agricultural and real estate customers while applying sound credit administration procedures in processing loan applications, analyzing records, evaluating collateral, setting loan terms and conditions, and in establishing overall loan workability.
Essential Functions:
- Assist with the credit needs of new and current borrowers by formulating solutions to credit related issues.
- Originate and service loans within delegated authority and in accordance with association policies. Make and/or convey approvals, structure and pricing lending decisions. Exercise credit risk management on loans under your responsibility.
- Conduct and interpret simple to complex credit analyses. Analyze balance sheets, income statements, and cash flows of new and current borrowers to ascertain creditworthiness. Obtain current and adequate financial information on borrowers and guarantors as required by association policy.
- Perform loan-servicing tasks, which may include partial releases, subordinations to mineral leases and right of ways, division orders, re-amortizations, and assumptions.
- May collect an assigned loan and assist management with collection activity within responsible lending portfolio. Work with delinquent borrowers to obtain satisfactory loan performance.
- May assist with title examination steps of prospective real estate loans to ensure validity of liens on property pledged as collateral or security interest on chattels.
- Possess excellent public and member relations skills as well as good oral and written communication skills. Strong marketing skills a plus.
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