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Senior Agri-Finance & Credit Business Manager - Prairieland FS, Inc. - Jacksonville, IL

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COMPANY:¬  Prairieland FS, Inc.


HIRING MANAGER:¬  Brian Jallas


LOCATION:¬  Jacksonville, IL


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PURPOSE AND SUMMARY STATEMENT


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Responsible for providing leadership in Agri-Finance administration, credit administration, and marketing of credit programs as a sales tool.


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SUPERVISION AND LEADERSHIP


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Supervise, lead and develop the staff of the credit department.


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Provides leadership and coordination of activities to employees engaged in marketing credit programs.


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ESSENTIAL JOB FUNCTIONS


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Manage a portfolio of existing loans, including reviewing financial, impact and other reporting, monitoring compliance with loan terms, handing loan modifications and workouts and conducting annual site visits.


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Investigates and verifies financial status and reputation of prospective customers applying for credit, preparing documents to substantiate findings, and recommending rejection or approval of applications.


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Establishes credit limitations on consumer accounts and handles special credit arrangements and deviations from standard terms of payment.


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Reviews collection reports to ascertain status of collections and balances outstanding and to evaluate effectiveness of current collection policies and procedures.


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Audits delinquent accounts considered to be uncollectible to ensure maximum efforts have been taken before assigning bad debt status to account.


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Coordinates with others, including personnel in company branches to exchange information and update controls.


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Participates in taking applications for financing and requests specified information for loan application.


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Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicants evaluation.


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Analyzes applicant's financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.


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Corresponds with or interviews applicant or creditors to resolve questions regarding application information.


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Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.


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Manages all aspects of the closing process, including working with outside legal counsel, reviewing closing due diligence and negotiating loan documents.


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Prepare initial loan summaries and comprehensive credit memos, and present proposed loans to management and Loan Committee for review and approval.


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ESSENTIAL JOB FUNCTIONS


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Identifies and analyzes potential loan marketing options to develop prospects for operating loans.


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Promotes and cross-sells other company products and services as appropriate to customer requirements.


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Provides loan data to support marketing and sales promotion programs.


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OTHER JOB FUNCTIONS


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May submit delinquent accounts to attorney or outside agency for collection.


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Performs all other duties as assigned.


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REQUIREMENTS


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Normally requires a Bachelor's degree in business, agricultural, accounting or finance.¬  5 years of progressively responsible sales/credit experience, 1 or 2 years in a leadership role or having demonstrated leadership capabilities. Lending/credit experience preferred.¬ 


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An understanding of financial accounting is required.


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Strong analytical skills, including financial analysis.


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Ability to identify, evaluate and mitigate risk.


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Ability to think proactively and creatively to effectively solve problems.


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Functional Competencies


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Strong interpersonal skills.


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Ability to manage multiple tasks effectively to meet deadlines.


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Strong verbal and written communication skills.


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Must be highly motivated, able to work independently, with modest supervision, and collaboratively in a team setting.


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Proven professional communication and customer service skills and the ability to comprehend simple instructions and communicate one-on-one and in small groups with customers and other employees.


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Proficient knowledge of Excel, MS Word and PowerPoint.


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Core Competencies


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Demonstrate essential abilities including business knowledge, collaboration, communication, customer focus, decision making and skill development.


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Other Requirements


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Must have the ability to obtain a valid driver's license and satisfactory driving record.


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Must be able to travel independently and overnight.


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Must be able to work extended hours beyond those considered "normal".


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