Description:

Alabama Farm Credit is an aggressively growing $1.1 billion Farm Credit association dedicated to the financial needs of our rural communities. In short, we help fund new ways to grow food, generate energy, access technology, and otherwise improve life in rural America. A career at Alabama Farm Credit can offer you the opportunity to make a personal impact on the people and communities where we do business. The institution is headquartered in Cullman, AL with five offices that serve the northern twenty-seven (27) counties of Alabama.  We continue to serve the agricultural related needs of the two major metropolitan areas of Alabama in Birmingham and Huntsville. We also provide competitive compensation, health and wellness benefits, company-funded retirement plan, “best in market” matching 401(k), and professional development programs. 

ESSENTIAL FUNCTIONS:

• Responsible for goals and objectives for the assigned branch office and its employees and delegates authority as appropriate to carry out the goals and objectives.  Motivates, evaluates and provides training for branch office employees.  Consults with upper management concerning staffing needs.
  

• Promotes the association by maintaining good public and member relations.
  

• Generates new loan business, services existing loans and manages the loan portfolio of assigned office.  Completes loan analyses within the guidelines and policies of the association.  Processes and approves loan requests within the limits of delegated authority and in accordance with association guidelines.  Prepares and submits loan requests that exceed delegated lending authority to the appropriate management level along with recommendation for approval or rejection.
  

• 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.
  

• Determines the eligibility and scope of financing for all new loans and ensures verification of assets and liabilities.  Secures background and credit history on new loans, repeat loans and renewals.  Provides for evaluation of loan collateral in accordance with association policies and procedures.  Ensures proper lien perfection on all collateral. 
  

• Maintains awareness of agricultural trends and business activity, FCA regulations, and legal obligations.  Ensures branch office operations comply with applicable policies, regulations and laws.  Prepares reports as required by association management, the Board of Directors and regulatory bodies.
  

• Coordinates the implementation of advertising and marketing programs.
  

• Performs collections and management of branch offices, adverse assets including acquired property as required to minimize potential loss to the association’s acquired property as required.
  

• Responsible for day-to-day operations of the branch.