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 developing and marketing new business within their service area.
  
• Assists prospective and current borrowers with their credit needs and with formulating solutions to credit related issues.
  
• Makes and services leases, loans for operating equipment and real estate, and offering other related services such as cash management products and crop insurances within delegated authority and in accordance with association policies.  Makes and/or conveys decisions on loan approval, structure and pricing.  Responsible for exercising credit risk management responsibilities on loans within area of responsibility.
  
• Conducts simple to moderately complex credit analyses.  Analyzes balance sheets, income statements, and cash flows of potential borrowers to ascertain creditworthiness. Maintains current, adequate and verified financial information on borrowers and guarantors as required by association policy.
  
• Performs loan servicing tasks, which may include partial releases, subordinations to mineral leases and right of ways, division orders, reamortizations, assumptions, severance agreements, insurance claims, additional advances, extensions and conversions.
  
• 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.
  
• Performs collections on assigned loans and assists senior-level staff and management with collections on all loans in the portfolio.  Works with delinquent borrowers to obtain satisfactory loan performance. 
  
• Assures that adequate insurance coverage is maintained as required by loan conditions and monitors ad valorem taxes to ensure that such taxes are paid on the security.
  
• May assist with the title examination process on perspective 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.