Lending Associate

Location: Pauls Valley, Oklahoma

Hours: Monday – Friday (8am to 4:30pm)

Position Summary

A developmental position designed to prepare future Agricultural Lenders through hands-on experience in credit analysis, loan servicing, customer support, and agricultural lending. Supports lenders and customers while developing credit, servicing, relationship management, and business development skills.

Key Responsibilities

Credit Analysis and Underwriting Support

• Performs credit analysis and underwriting support activities.
• Analyzes financial statements, tax returns, balance sheets, cash flow projections, and other financial information.
• Assists Agricultural Lenders and Credit Team Members in preparing credit requests, recommendations, and supporting documentation.
• Develops knowledge of loan structuring, collateral evaluation, risk assessment, and Oklahoma AgCredit's credit philosophy.

Loan Servicing and Portfolio Support

• Assists with servicing actions including Additional Advances, Annual Loan Reviews, Renewals, Extensions, Conversions, Assumptions, Partial Releases, and Collateral Substitutions.
• Assists in preparing, analyzing, monitoring, and updating Loan Position Reports (LPRs) and Borrowing Bases.
• Assists with preparation and updating of Personal Property Valuations (PPVs).
• Gathers and updates borrower financial information.
• Assists with covenant monitoring and documentation requirements.
• Coordinates servicing requests with Agricultural Lenders, Lending Specialists, Credit Team Members, and customers.
• Maintains accurate loan documentation and customer records.

Customer Development and Business Exposure

• Participates in customer visits, farm calls, and business development activities with Agricultural Lenders.
• Assists with maintaining and strengthening customer relationships.
• Develops knowledge of Oklahoma AgCredit products and services.
• Participates in agricultural, community, customer, and industry events.
• Develops an understanding of production agriculture and regional agricultural markets.

Professional Development and Training

• Participates in Oklahoma AgCredit's Lending Associate Development Program.
• Receives mentoring and coaching from experienced Agricultural Lenders.
• Develops leadership, communication, analytical, and problem-solving skills.
• Completes internal and external training programs.
• Develops knowledge of Oklahoma AgCredit systems, policies, procedures, and operational requirements.

Continuing Education

• Attends internal and external training programs and conferences.
• Reviews credit-related policies and procedures in PolicyTech.
• Completes required regulatory, compliance, and organizational training requirements.
• Pursues professional development opportunities related to agricultural lending and finance.

Requirements & Tech Stack

Minimum Qualifications

• Bachelor's degree in Agricultural Business, Agricultural Economics, Agribusiness, Finance, Accounting, Business Administration, Agricultural Education, or experience equivalent to perform the essential functions of the position.
• Or an equivalent combination of education and experience sufficient to perform the essential functions of the job.

Knowledge and Skills Required

• Knowledge of Word, Excel, PowerPoint, Outlook sufficient to create, update, and save a variety of documents.
• General knowledge and understanding of the agriculture industry.
• General knowledge of agricultural economics and agricultural business operations.
• General knowledge of accounting and finance principles.
• Skill in analyzing information to formulate logical and objective conclusions.
• Skill in reading and understanding income statements, balance sheets, and other financial reports.
• Skill in utilizing a systematic approach to problem-solving.
• Skill in gathering, compiling, and organizing information.
• Skill in interacting and working effectively with others.
• Skill in proofreading and editing documents.
• Oral and written communication skills, sufficient to exchange information effectively with peers, supervisors, and customers.