Mortgage Loan Officer - Country Home Lending

Northwest Farm Credit Services

Pasco, WA

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JOB DETAILS

SALARY

$72,600–$97,800 Per Year

JOB TYPE

Full-time, Employee

SKILLS

Affirmative Action, Agriculture, Communication Skills, Compensation and Benefits, Consumer Loans, Consumer Regulations, Corporate Policies, Credit Analysis, Cross-Selling, Customer Service Systems, Customer Support/Service, Dental Insurance, Develop and Maintain Customers, Documentation, Driver's License, EEO Regulations, Federal Laws and Regulations, Financial Analysis, Insurance, Legal, Loan Accounting, Loan Closing, Loan Portfolio, Loans, Marketing, Mortgage, Mortgage Lending, Negotiation Skills, Order Delivery, Performance Analysis, Pricing, Product Pricing, Product Profitability, Property Insurance, Real Estate Sales, Relationship Management, Residential Construction, Residential Mortgages, Retirement Plan, Sales, Sales Prospecting, Time Management, Training Program, Vision Plan, Willing to Travel, Zoning

LOCATION

Pasco, WA

POSTED

30+ days ago

AgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners and crop insurance customers in a seven-state territory in the Western United States. AgWest is part of the 100+ year-old Farm Credit System - the leading provider of credit to American agriculture.

AgWest champions the growth and advancement of agriculture, the value of rural communities, and the vital contribution our customers make to the economy and society. We serve customers in 59 locations throughout the West.

We are in search of a Mortgage Loan Officer - Country Home Lending I or Mortgage Loan Officer - Country Home Lending II (internally known as Relationship Manager) to join our Washington Lending and Insurance department in Pasco, Washington. This full-time position reports to the SVP, Lending and contributes to providing high quality, profitable and constructive credit and related services to customers.

Compensation Information

The base salary range for this position in Pasco, Washington is:

Level I:
Typical starting range: $72,600 - $97,800
Full base salary range: $72,600 - $110,400
Annual performance-based incentive target is 12% of base.

Level II:
Typical starting range: $80,000 - $110,100
Full base salary range: $80,000 - $137,800
Annual performance-based incentive target is 15% of base.

Essential Duties

Market and sell Country Home Loan (CHL) products and ensure profitability targets are met for assigned portfolio.
Develop and maintain an active external marketing and referral network with real estate agents, lenders, accountants, home builders and other lending and insurance staff throughout assigned territory.
Maintain familiarity with other AgWest products and collaborate with organization staff by making referrals and cross-selling products to meet customer needs.
Establish rapport with and develop and maintain confidence of customers and prospective customers.
Responsible for understanding internal loan pricing programs, models and tools, and communicating appropriate loan pricing information with customers.
Make quality credit decisions to ensure customer service, a high-quality loan portfolio and loan administration. Monitor loan performance and services of assigned accounts.
Gather financial information through interviews in person and by phone, reviews financial statements, legal opinions, tax records and other financial information. Comply with organization documentation expectations, procedures, laws and regulations and assist in credit investigations of applicants including public record searches, credit bureau reports, employment and income verification, collateral inspection and asset and liability verification.
Prepare loan application packages including credit analysis, submit recommendations for approval and participate in loan closings by ensuring the appropriate documentation is completed and understood by the customer.
Service assigned accounts with the objective of providing efficient customer service through proactive servicing, follow up, and timely coordination with other divisions and portfolio groups.
Accurately classify loans, ensuring loan data attributes such as PD, LGD, and YBS are correct.
Represent and communicate the values, purpose and mission of the organization to employees, customers, the public and other target audiences, by joining or actively supporting appropriate agricultural organizations, civic groups or industry groups and actively participating in sponsored events and programs.
Participate in assigned industry teams or industry task forces as needed. Advance industry knowledge and expertise of assigned industry teams. Assist teams with detailed industry studies and works to expand industry specific customer services and delivery systems. Assist with the organization of industry specific customer educational events.
Perform all duties and maintain all standards in accordance with company policies, procedures, and internal controls.
Other duties as assigned.

Travel Requirements

Willingness and ability to travel up to 25%, including overnight travel throughout the AgWest territory.
AgWest employees may occasionally be asked to travel for all-staff or team meetings not included in the standard travel requirements for the role.

Minimum Qualifications

Bachelor's degree in business, economics, finance or equivalent, or an equivalent combination of education and experience
Basic understanding of financial statements and analysis
Ability to effectively communicate and negotiate terms on behalf of the organization for low complexity and smaller size relationships, both verbally and in writing
Ability to travel to perform certain required duties
Valid driver's license
Ability to complete all requirements for registration with the Nationwide Mortgage Licensing System and Registry (NMLS)

Preferred Qualifications

Successful completion of AgWest CHL Relationship Manager training program or an equivalent
Knowledge of Farm Credit policies and procedures, eligibility requirements and products
Understanding of the local agricultural markets
Ability to market, sell, and effectively negotiate terms on behalf of AgWest, both verbally and in writing
Knowledge of agricultural practices and crop and livestock production
Working knowledge of banking, mortgage, consumer credit regulations and laws, including legal terminology (e.g. zoning ordinances, Truth in Lending, RESPA etc.

Workplace Flexibility

After an initial in-office training period, this position is eligible for workplace flexibility and a one-time home office stipend.

Benefits Offered by AgWest

Medical, dental, and vision insurance
Basic term life and AD&D insurance (fully paid for by the company)
Paid days off annually: 15 vacation*, 15 sick, 12 holidays and 3 volunteer
401(k) plan (6% match plus 3% employer contribution)
Employee Assistance Program
Wellness Program
Jeans are welcome at work every day at AgWest!

*Vacation accrual rates increase with tenure.

Details about insurance and retirement benefits are available at: https://www.farmcreditfoundations.com/fcfbenefits

#LI-Hybrid

Job level and starting annual salary will be based on a variety of factors including but not limited to experience, education, certifications/licensure, internal equity, location, business needs and market demands. The listed compensation and benefits information is accurate as of the posting date. AgWest reserves the right to adjust compensation for all positions and modify or discontinue benefits programs at its sole discretion, subject to applicable law.

Qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender orientation, national origin, marital status, age, disability, protected veteran status, or any other classification protected by law.

When you apply for a position with AgWest Farm Credit, we collect personal identifiers (from your resume and other application information you submit), such as your name, email address, mailing address, telephone number(s) and employment and education related information. This helps us evaluate job applicants for hiring opportunities, and, communicate with them.

To comply with federal regulations for equal employment opportunity and affirmative action (EEO/AA), we track our applicants by gender, race/ethnicity, veteran status, disability status, and the position for which they applied. You will be presented with a voluntary self-identification form as part of this application; we wanted you to know why we collect this information and what we do with it. Please be aware that this information is kept separate from your application, and not utilized in the selection process.

For more information about the information AgWest Farm Credit collects, please see the AgWest Farm Credit California Privacy Policy.

Northwest FCS 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.

About the Company

Northwest Farm Credit Services

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