Welcome Back,

Career Opportunity: Account Specialist

Job Title
Account Specialist
Organization
Farm Credit Mid-America, ACA
Location
Somerset, Kentucky
Department
Experience Level
Entry Level (1-4 years)
Supervisor's Title
Category
Financial Services
Salary Range
DOE, depending on experience
Posted Date
Tuesday, December 12, 2017
Closing Date
Open until filled
Job Description

At Farm Credit Mid-America, we believe people are our strongest asset. We are consistently looking to hire individuals from a wide range of experience and capabilities who have a desire to serve. Currently, we have over 1,100 employees across Indiana, Ohio, Kentucky and Tennessee.

 

The Account Specialist provides exceptional, first-level, internal and external customer service by supporting the delivery of financial services. Responsibilities include evaluating the portfolio to identify cross-selling opportunities, following up with customers regarding these opportunities, completing loan origination for assigned types of loans and planning and coordinating marketing efforts. This position also provides backup support for other Account Specialists and the Customer Support Specialist.

 

MAJOR RESPONSIBILITIES:

 

CUSTOMER RELATIONSHIPS:

  • Establishes, develops and maintains strong internal and external customer relationships by coaching others and consistently providing quality service that is timely, thorough, responsive and exceeds customer expectations.
  • Back up the Customer Support Specialist to receive and provide service to walk-in customers and incoming customer calls.
  • Works with Financial Officers to understand customer goals, credit strengths and weaknesses and deliver value-added/constructive agricultural and financial information that will assist them in their farming businesses.
  • Support Crop Insurance phone and walk-In business by providing requested information, remaining aware of critical crop insurance dates, collecting basic claim information for Crop Insurance Account Specialist (CIAS), accepting documents and completing appropriate checklist.
  • Provide Crop Insurance customers renewal acreage or production report via the CIAS or the Crop Insurance Technician hotline.
  • Provide Crop Insurance customers premium due amount by calling the CIAS or the Crop Insurance Technician hotline.

 

CROSS-SELLING: Proactively evaluates the portfolio to cross-sell core products and other services to our customers. Assesses customer financial information during the application process and offers other relevant services. Compiles information to help Financial Officers prepare for sales calls, plan and implement marketing strategies and assist with monitoring the competition within the region.

 

DELIVERS AND SERVICES CREDIT: Provides support to the lending process, including the following:

  • Renews and converts existing credit-scored loans.
  • Assists and helps process new loans for walk-in and telephone customers. Can Establish Mutual Value, Receive/Process applications and assist with the decisioning of applications for current customer requests as agreed to by Director Retail Operations (based upon skill set) and Financial Officer (based upon need)
  • For all other loans, gathers appropriate customer information, triage financial information and assists the Financial Officers and Credit Operations team members to submit and process the loan through decision.
  • Obtains annual financial information
  • Enter applications in AgTrac and/or AgTrac for CPU
  • Assist the Financial Officer with:
  • Priority identification and process accordingly
  • Collateral verification, if needed
  • Gathering legal entity documents, as necessary. Entity Verification, if needed, is to be completed by the Closing Specialist role
  • Follow up on obtaining needed customer information.
  • Customer interaction (with or without the FO present)
    • Complete post-closing conditions as assigned by the Closing Specialist, such as Assignment of indemnity for Crop Insurance / Builder’s insurance / Construction Insurance.
    • Complete searches to verify lien position on chattel collateral
    • Gather correct name verification on existing customers for UCC filing
    • Gather AgDirect application and hand-off to AgDirect Servicing Team
    • Coordinate and assist in monitoring ongoing loan conditions such as servicing plans, borrowing base, annual financial updates, etc. Responsible for ag construction loan monitoring and FSA Servicing
    • Scan documents as received throughout the loan application and partner with the CSS to manage the scanning of loan documents
    • Follow SAU account transfer procedures including completion of the SAU Transfer form with Financial Officer assistance if needed. 
    • Email SAU; coordinate sending DND files to SAU.
    • Directs the completion of all loan servicing actions for customers:
  • Information gathering and understanding processing needs.
  • Coordinate servicing action with appropriate credit department when credit risk analysis is needed or exceeds delegated authority of $150,000.
    • At the discretion of the Account Specialist,  the Closing Specialist completes servicing documents/closings when real estate, legal descriptions, title, etc. is needed, after approval is obtained, for the following servicing actions:
  • Additional Advance
  • Collateral Addition
  • Collateral Substitution
  • Collateral Easement
  • Collateral Subordination by FCMA or 3rd Party
  • Collateral Correction

     

TEAM COORDINATION/RELATIONSHIP SUPPORT: Coordinates relationship support activities, such as planning, attending and executing sales events and obtaining sales and marketing materials for Financial Officers, Crop Insurance team members, Director Retail Operations and Regional Vice President.

  • Proactively mine the portfolio and other data sources to identify prospecting opportunities
  • Compile information as needed to help Financial Officers prepare for sales calls (ex: prepare customer reports prior to officer meeting with customer)
  • Occasional involvement in joint sales calls to enhance customer relationships, particularly on high-profile and/or high-touch customers.
  • Coordinate direct mail campaigns.
  • Assist with monitoring the competition within the region

 

Other duties may be assigned.

 

REPRESENTS AND COMMUNICATES THE MISSION AND VALUES OF FARM CREDIT
MID-AMERICA
and complies with its conduct policy, security policy and confidentiality expectations.

 

MINIMUM REQUIREMENTS

 Education and Experience

Extensive knowledge of agricultural industry (personal, professional or educational) is desired.

High School diploma and at least six years of successful experience in two or more of the following areas: financially related customer service, loan processing, loan servicing. Farm Credit Mid-America experience desired and performance exceeded expectations -OR- Bachelor’s degree in agriculture, business or related field.

 

 

KNOWLEDGE, SKILLS and ABILITIES

 

Knowledge of: Farm Credit Mid-America products, services, fees and their application to customers’ needs; credit delivery; market segments; basic agriculture; basic credit; economic conditions; competition’s products, interest rates, and fees; selling techniques; Association technology and accounting systems, as well as loan origination systems, processes, and documents; and Farm Credit Mid-America policies and procedures.

 

Skills in: Providing exceptional customer service; coaching others; completing and reading balance sheets; researching courthouse documents; interviewing customers to obtain financial information; interpersonal relations; verbal and written communications; listening; organizing; problem solving; matching products and services to customer needs; translating features into benefits; selling; using accounting and loan origination systems; using computers.

 

Ability to: Be flexible; work efficiently and accurately; identify priorities; work with interruptions; maintain confidentiality; work independently and with a team; be disciplined; achieve goals; accept and implement corporate strategies; demonstrate Association values; relate positively to others; listen to customers; be logical; work under stress; overcome objections; manage time; assess risk; professionally represent Farm Credit Mid-America.

 

 

MENTAL AND PHYSICAL REQUIREMENTS:

This job requires the incumbent to have the ability to…

  • Engage in telephone and face-to-face conversation to serve customers and give and receive information from staff, vendors, outside consultants and the public.
  • Use computer. This involves reading the screen and keying/typing information.
  • Speak and make presentations to individuals or groups on technical subjects related to job.
  • Travel via auto or commercial transportation to carry out essential responsibilities of the job.
  • Successfully interact with and represent the organization to staff, officers, board members, customers, vendors, and/or the public at all levels.
  • Provide sound technical advice to leaders and other staff in the subject field(s) related to this position.
  • Understand and explain various subject matter and consulting concepts, programs, terminology and methods.
  • Reason, judge, compare, calculate, evaluate, decide and critique such information as written material, numerical data, responses to customer needs and/or other related work activities.

 

Requirements of the job include the ability to do the work with or without reasonable accommodations. It is the Association's policy to make reasonable accommodations for individuals with disabilities. Leadership retains the right to add, subtract or change duties of the position at any time. This document does not create an employment contract, implied or otherwise, other than "at will" employment relationship.

 

 

Farm Credit Mid-America is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status or disability.