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Loan Officer

Southern CO Territory – Loan Officer Position

DATE POSTED:                  May 30, 2023

POSITION:                           Loan Officer

LOCATION:                         Eastern    Southern CO Territory


Farm Credit of Southern Colorado (FCSC) is seeking a Loan Officer to join our team.  The chosen candidate will be an exempt employee who develops and maintains relationships with borrowers, identifies financial tools which provide value to borrower’s business, gathers complete loan applications, initiates loan origination and servicing processes, reviews credit write-ups, decisions loan actions within individual and team authority levels, and services financial loans.  The chosen candidate will service one of our branches in the eastern Southern Colorado Territory.

Today, the Farm Credit System is one of the strongest, most financially sound lending institutions in the U.S.  Its 67 institutions serve our country’s farmers and ranchers, rural America and agribusiness.

Organizational Information

As one of the Farm Credit System’s associations, Farm Credit of Southern Colorado is a robust organization serving 1,300 member / owners in 31 counties throughout Southern Colorado.  Over $1 billion in assets, Farm Credit of Southern Colorado’s approximately 80 staff members bring strength to its shareholders and communities.

Farm Credit of Southern Colorado is a member-owned cooperative that provides a wide range of financial products and risk management services for agricultural producers, agribusinesses, and farmland and rural homeowners. FCSC strives to provide a culture and environment that values fun, integrity, respect, service and trust.

Position Summary:

The Loan Officer will be responsible for achieving growth of loan portfolio in assigned territory through professional marketing and visibility, while creating and maintaining existing lending relationships.  They will also be able to identify opportunities to create new relationships by leveraging Agricultural producer networks and referrals to build relationships to achieve business results. The chosen candidate must be able to communicate the value of Association products and of doing business with Farm Credit.

The Loan Officer processes, analyzes, and services a moderate to high volume of mortgage and commercial loans of various sizes. Works collaboratively with functional teams within the organization.

Our ideal candidate values relationships, respects the knowledge and talents of others, and works as part of a professional team to provide high quality customer service.


Essential Responsibilities:

Marketing and Relationship Management

  • Creates and maintains relationships with borrowers
  • Identifies opportunities to create new relationships
  • Communicates value of Association products and services to new and existing borrowers
  • Hosts events for new and existing borrowers
  • Attends conferences and events to market to new and existing borrowers

Loan Origination and Renewals

  • Interviews and gathers application information from borrowers
  • Initiates origination and servicing processes in loan software
  • Enters customer information, loan details and financial information into loan software
  • Delegates work to Credit Support Specialists
  • Collaborates with supervisor and peers to discuss options available for borrowers
  • Contacts external parties to finalize details for loan closing
  • Orders and reviews appraisals
  • Informs borrowers of loan decisions

Credit Analysis

  • Verifies completeness and accuracy of loan package and financial information presented by borrowers
  • Reviews financial analysis and credit write-ups
  • Identifies risk rating
  • Approves loans within individual and team authority levels
  • Refers loans outside credit authority levels to the Central Loan Committee

Loan Closing

  • Reviews loan documents prior to closing
  • Administers loan closings to ensure complete execution of loan documents
  • Delivers executed documents to Operations Team

Portfolio Monitoring and Servicing

  • Monitors loan portfolio for customer delinquency
  • Addresses loan delinquency according to established policy and procedure
  • Responds to customer requests and questions related to loans
  • Collects annual financial information and initiates annual financial reviews
  • Evaluates borrower collateral/chattel annually
  • Approves servicing actions within delegated authority

 Chattel Evaluations

  • Inspects and evaluates collateral to identify condition, accessibility and marketability
  • Researches comparable sales
  • Documents findings
  • Coordinates chattel inspections & appraisals with Appraisal department


  • Completes continuing education related to credit philosophies, policies and procedures, and regulations
  • Completes training regarding Association or software/hardware changes

Data Security and Confidentiality

  • Appropriately protects the confidentiality, security, and integrity of the Association, employees, borrowers, and other stakeholders


Qualifying Characteristics:

Seniority and accompanying compensation will be dependent upon level of experience and knowledge.

  • Driver’s License
  • Knowledge of agricultural operations
  • Knowledge of agricultural markets
  • Knowledge of financial statements and mathematical concepts
  • Knowledge of financial structuring and loan products
  • Knowledge of accounting principles, practices and methods
  • Knowledge of credit administration and portfolio management procedures
  • Knowledge of Word/Excel/PowerPoint/Outlook sufficient to create, update and save basic documents
  • Skill in oral and written communication, sufficient to exchange information effectively with peers, supervisor and borrowers
  • Skill in establishing and maintaining productive relationships within and outside the organization, borrowers and vendors
  • Skill in gathering, compiling and organizing information
  • Skill in listening closely to understand the speaker’s intent
  • Skill in listening and conveying awareness of a borrower’s problem or issue to find resolution
  • Skill in interacting and working effectively with others
  • Skill in focusing and concentrating on details
  • Skill in applying processes and procedures to factual data to make a logical decision
  • Skill in reasoning persuasively to sell or promote financial services and products


Farm Credit of Southern Colorado is an Equal Opportunity Employer dedicated to diversity in the workplace and offers a great work environment.  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, or protected veteran status.

The following information is disclosed in compliance with the Colorado Equal Pay for Equal Work Act. Similar positions applied for outside of Colorado will not necessarily receive the same compensation.

Salary Range: $50,000-120,000

This range is a good-faith and reasonable estimate of the range of possible compensation at the time of this posting. Actual salaries could vary and may be above or below the range as permitted by Colorado Equal Pay Transparency Rule 4.1.2.  Variation is based on various factors including but not limited to location, qualifications, experience, operational needs and other considerations permitted by law. In compliance with the Colorado Equal Pay for Equal Work Act, a potential new employee’s salary history will not be used in compensation decisions.  In addition, benefits for this position include medical, dental, vision and life insurance, 401k, tax advantage accounts, paid vacation, sick leave and parental leave.

FINAL DATE FOR APPLICATION:   June 16, 2023.          

PLEASE EMAIL RESUME AND COVER LETTER TO: SCHumanResources@aglending.com   






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Our Purpose. Our Pride.

Agriculture is who we are. For some of our employees, Farm Credit has been a career for over 30 years.

Your red carpet moment.

We hire superstars. Why not celebrate like it?

When you walk in on your first day, you’ll be greeted by a red carpet, your new employees and friends surrounding you, and thunderous applause.

Our Hiring Process

1. Eligibility

We look for passionate, talented, motivated, and kind people.

We have a commitment to ensure that our customers always come first. As a cooperative, we believe in doing everything we can to make sure our members find success. While lending and providing financing is at the core of what we do every day, to us, it’s more than that. We fight for our partners, we strive to help them in the good times and the bad, and we passionately work towards progressing the future of agriculture and rural America.

2. Application

We pride ourselves on being an employer of choice. While many positions require an agriculture background, we have talented employees in many different departments.

From marketing to training & development, to IT and compliance, we have it all. We believe in hiring the right people and getting out of their way for them to shine and be successful. Don’t see a job opening that you’re passionate about? Still want to be on our team? Send us a message below and tell us how you could fit in our association and help us be successful.

3. Review Process

Once we receive your application, there are many things that are going to happen.

We make sure that every employee we hire is not only a good fit for our company but that we are a good fit for them, too. We put all finalists for positions through screenings, personality tests, phone interviews and more, before we have an in-person interview. We take all factors into consideration, from resume/CV, and cover letter, to how you score on these screening tests.

4. Success

We pick the best and the brightest to work at FCSC.

Our employees are a cut above. To join our family and progress your career, just be yourself. If you have the talent, the character, the values and the experience we are looking for, sit back and relax. We want to spend time getting to know you.

How to nail your interview:

Dress to Impress

While we work in agriculture, we hold a business casual dress code at our company. Remember it is suggested to dress one pay grade higher than the job you are going for.

Be Genuine

If you are in an in-person interview, be yourself! We are trying to get to know you better, hear more about your experience, and see if you’d fit in with our employees. It’s okay if the answer to a question is ‘no’. We care more about your character and your experience than you being the perfect fit!

Be Present

Nothing ruins an interview more than a cell phone, a water bottle, or your own refreshments at the table. Be present. Have no fear, the water and coffee will appear! Beyond setting distractions aside, ask thoughtful questions. Be aware of who we are and what our mission is. (Hint: go check out our About page). Having done some research on our company and our mission and being actively engaged in a conversation will set you up for great success. Remember, a follow-up note after the interview sets you apart from the rest.

Apply Now.

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