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Career Opportunity: Vice President/Loan Officer

Job Title
Vice President/Loan Officer
Organization
Heritage Land Bank, ACA
Location
Lufkin, Texas
Department
Experience Level
Mid-Career (5-10 years)
Supervisor's Title
Category
Accounting
Salary Range
DOE, depending on experience
Posted Date
Wednesday, August 16, 2017
Closing Date
Open until filled
Job Description

Heritage Land Bank is a leading rural real estate and agribusiness lender in East Texas.  Our total loan portfolio is over $420 million and our loans consist of poultry, livestock, nurseries, timber, crops, recreational property, and country home loans.  Established 100 years ago, Heritage Land Bank is a locally owned and operated financial cooperative (Agricultural Credit Association), which is part of the Farm Credit System and the Tenth Farm Credit District.  Our Corporate Office is located in Tyler, Texas and we operate ten branch offices.

Job Scope

Processes and services large and complex loans.  Conducts complex credit analysis.  Performs loan servicing responsibilities and assists with monitoring and reporting portfolio conditions.  Assists in training less-senior loan officers and credit personnel to ensure quality loan services and attainment of the Association’s credit goals.  Has considerable latitude for decision making.

Essential 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 an in accordance with Association policies.  Makes and/or conveys decisions on loan approval, structure and pricing.  Responsible for exercising credit risk management duties 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 loans, including large and complex loans.  May conduct 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 partial releases, subordinations, reamortizations, assumptions, insurance claims, 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.
  • Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper. 
  • May perform appraisals, inspections, and/or collateral evaluations in compliance with the District and Association standards and procedures.
  • Assists with and attend public relations functions for the Association.

Education and Experience Requirements

Bachelor’s degree in Business Administration, Finance, Agricultural Economics, or a related field, or equivalent experience.  Five (5) or more years of progressively responsible banking or related agricultural lending experience is required.

If you meet the minimum requirements and want to be consider for this position, please go to the link below to apply:

https://heritagelandbank.applicantpro.com/jobs/

Heritage Land Bank, ACA is an EOE/AA/M/F/D/V Employer