Description/Job Summary

　　The Assistant Vice President and Vice President of Lending maintains, grows, and services a portfolio while representing Farm Credit Illinois in the community and creating relationships with the people of rural America.

　　Responsibilities/Duties

　　Sales and Portfolio Management

　　Market Presence

　　Develops and maintains a professional presence in the ag community through active involvement in professional groups and community activities

　　Identifies key contacts and resources to build relationships with

　　Identifies key prospects and solicits referrals from team members, existing members, and other professional contacts

　　Identifies and demonstrates awareness of key agricultural and economic topics and proactively educates producers while providing sound risk management solutions

　　Develops a network of key contacts and resources throughout the local and regional agricultural and business communities

　　Researches and reviews data resources to identify opportunities and qualified prospects

　　Participates in member appreciation events, auctions, producer educational programs, and other public activities to build new and enhance existing relationships

　　Growth and Prospecting

　　Generates loan growth by seeking new business opportunities and manages an existing portfolio by identifying current member's needs.

　　Generates cross selling opportunities by promoting crop insurance and the Association's Collaborative Endeavors

　　Utilizes member relationship management software to organize and document member and prospect opportunities

　　Maintains an evolving prospect list and sales plan

　　Actively participates in branch and sales meetings

　　Business Expertise

　　Combines ag and business knowledge to understand each member's and prospect's current financial position

　　Identifies, articulates, and coaches to credit and management strengths and weaknesses

　　Provides innovative and workable alternatives to counsel and solve problems the member faces in their ongoing farm operations

　　Communicates credit decision and advises on the 5 C's of Credit

　　Maintains expertise on all loan products and services available in the marketplace

　　Operational Management

　　Loan Origination

　　Originates loan applications by assessing member and prospect needs

　　Determines how to meet the needs of the applicant and discusses loan structure, interest rates, collateral, amortization, payment schedule, etc. resulting in an optimal outcome for the applicant and Farm Credit Illinois.

　　Identifies additional business opportunities

　　Collaborates with teammates to ensure complete information has been obtained prior to hand off for formal processing

　　Credit Preparation and Collaboration

　　Collects and assesses qualitative and quantitative business and financial information and follows up for clarification and verification if needed

　　Prepares credit package for Credit Services Division by determining what business and financial information is needed

　　Analyzes the business and financial information, writes a supportive narrative, and pulls data together to prepare an application for submission

　　Collaborates with Credit Services Division on loan structure and terms to ensure a decision is made that is best for the member and association

　　Participates on loan committee to clarify and present information as needed

　　Loan Closing

　　Closes loans by ensuring all loan and legal requirements are met and accurate

　　Applies and upholds sound credit administration principles

　　Ensures member expectations are met and creates a positive member experience

　　Loan Servicing

　　Anticipates loan actions and servicing

　　Identifies risks within the portfolio and determines if corrective action is needed

　　Creates and monitors effective servicing plans

　　Monitors market conditions and proactively manages portfolio for the mutual benefit of our members and the association

　　Other Responsibilities

　　Continuous Education

　　Attends educational events to build upon expertise in various aspects of agriculture, finance, and economics

　　Enhances knowledge pertinent to the geographical region or territory

　　Maintains a general understanding of crop insurance products and programs

　　Develops and maintains an understanding of state and federal agricultural programs

　　Data Security and Confidentiality

　　Appropriately protects the confidentiality, security, and integrity of the Association's systems and data and clients' dataTraining

　　Attends all necessary training to learn, grow, maintain all necessary expertise for the role

　　Participates in training of co-workers through information sharing, small group discussions, idea exchanges, job shadowing and mentoring

　　Participates in events or meetings which may involve public speaking

　　Committee Involvement

　　Participates in various committees to provide insight for and develop processes and procedures

　　Provides ideas and shares feedback

　　Required Skills

　　General knowledge of ag macro and micro-economics

　　Skill in having perception of different dimensions of business issues and making sense out of complex issues while being decisive and flexible to change

　　Skill in negotiating complex agreements to achieve the best outcome for the organization

　　Skill in listening and conveying awareness of a member's problem or issue to find resolution

　　Skill in utilizing technology to increase efficiency

　　Skill in interacting and working effectively with others

　　Skill in utilizing a systematic approach to problem solving

　　Skill in differentiating significant and insignificant details

　　Skill in applying processes and procedures to factual data to make a logical decision

　　Skill in engaging, collaborating, and building trust amongst team members

　　Oral and written communication skills sufficient to discuss a variety of job-related topics, and to effectively communicate complex topics to a variety of audiences

　　Required Qualifications

　　Bachelor's degree in business, finance, agriculture, or related field

　　AVP - no experience

　　VP - 3 years of experience in sales or an ag related field

　　Or equivalent education, experience, and skillset sufficient to perform the essential functions of the job