Location:                 Baraboo - Equity Livestock Credit Corporation

Reports to:              CEO/President, Equity Cooperative Livestock Sales Association

FLSA Status:           Exempt

Overview:

Equity Cooperative Livestock, Wisconsin’s largest livestock marketing cooperative, is also one of the nation’s largest livestock marketing organizations. Service to its members is a primary obligation of all employees.

The Agricultural Loan Officer will be responsible for developing, establishing and promoting agricultural lending, farm production and financial management solutions to provide the best service possible to meet our customers’ and prospective customers’ needs. This position will be key contact person for current, potential and past credit customers. Gathering information and creating credit presentations for committee approval and completing and servicing approved loans. The VP Agriculture loan officer will manage the credit function of the credit Corporation and take over and expand a healthy, growing portfolio.

The Level of this position is based on years of service, education and/or equivalent experience, knowledge level, and skill set.

Essential Functions:

I.  Business Development, Administration, and Management (70%)

• Aggressively market credit and financial services and establish new market relationships in the consumer and residential markets.
• Utilize business knowledge to gain in-depth understanding of each customer’s current financial position in order to provide innovative and workable alternatives to solve problems for the customer.
• Create, maintain and potentially expand strong relationships with customers/business contacts/influencers including ELCC credit participants and other financial partners.
• Develop and maintain a significant professional presence throughout the local communities in addition to making formal presentations to various local and regional groups.
• Develop expertise in the areas of agricultural lending, farm production and financial management and other specific knowledge pertinent to the geographical region or territory.
• Use knowledge of finance and agriculture to provide “value added" information about their customers and prospective customer’s needs.
• Promote and Cross-Sell the marketing business of Equity Cooperative Livestock Sales Association and increase Equity’s patron base.
• Manage and retain high levels of service for loans within loan portfolio.
• Review loan applications and make credit decisions and/or recommendations to the appropriate credit approval level to approve or decline said applications timely.
• Communicate loan decisions and provide detailed feedback to applicants
• Attend market-related meetings and activities.
• Collect delinquent accounts in a timely manner and resolving issues related to loans
• Maintain confidentiality of customers conversation and information and proprietary information
• Perform other duties as assigned.

II.  Strategy and Planning (10%) Act as a strategic business partner to senior executive leadership team.

• Assess and evaluate financial performance of organization with regards to loan portfolio goals, budgets, and forecasts.
• Provide insight and recommendations to both short-term and long-term growth plan of Equity Livestock Credit Corporation.
• Act in compliance with all applicable State and Federal Rules and Regulations that apply to lending transactions.
• Communicate, engage, and interact with Board of Directors, CEO, and Executive Leadership Team.
• Create and establish yearly financial lending objectives that align with the company’s plan for growth and expansion.
• Make pivotal decisions as they relate to strategic initiatives and operational models.
• Interact with and keep/bring the ELCC division in line with Executive Leadership and Board of Directors’ plans, initiatives, and recommendations.

III.  Budgeting and Forecasting (10%)

• Develop and maintenance of monthly operating budget and annual company operating budget.
• Create and update forecasting models to help Executive Team and Board of Directors anticipate future performance by utilizing prior performance, past experience, and other industry factors.
• Utilize forward-looking models and activity-based analyses to provide financial insight into the organization’s plans and operating budgets.

IV. Financial Analysis (10%)

• Identify, develop, and execute analysis of financial initiatives, product launches and/or new service offerings.

*Review monthly financial statements and variance reports, offering explanations for variances

and proposing solutions to concerns.

• Explore investment opportunities and provide recommendations on potential returns and risks.

Additional:

• Participate in training and meetings as related to the position
• Complete required compliance and software training

Qualifications and Requirements:

• Bachelor’s Degree in Business Administration, Finance, Agriculture or equivalent work experience.
• 3-5 years of experience in consumer, commercial, or agricultural lending or the agriculture industry.
• Basic knowledge of loan products and services, credit operations and government lending regulations.
• General knowledge of farm production methods and products.
• Familiarity with sales, ag loan processing and closing processes.
• Some travel up to 30%, with some overnight will be required.
• Assist Co-Workers as needed
• Must be self-sufficient and self-motivating.
• Basic computer skills required.
• Must be able to speak effectively, actively listen, and express thoughts in a clear, thorough manner
• Must be able to effectively share and explain pertinent information with Board of Directors and Executive Team.
• Must be willing to collaborate and cooperate with others in the organization and possess effective working relationships with team members.
• Strong problem-solving, decision-making making and organizational skills.
• High degree of integrity, trust and confidentiality.

Physical Demands and Work Environment:

• While performing the duties of this job, the employee is required to stand, and use hands to finger and handle keyboard, telephone, paper, files, and other equipment and objects.
• The employee is frequently required to walk, sit and to reach with hands and arms.
• The employee must occasionally be on farm visits where exposure to noise and working in extreme weather conditions is possible.

ECLSA is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

Interested in joining our Team? Submit your application by clicking on APPLY TO THIS POSITION.

Must be authorized to work for any employer in the United States. Equity Cooperative is unable to sponsor or take over sponsorship of an employment visa at this time.