Senior Loan Officer

The Senior Loan Officer is responsible for developing complex lending relationships while managing a portfolio of high-value agricultural and commercial customers. This role provides financing expertise, manages more advanced customer relationships, supports portfolio growth and retention, and serves as a trusted advisor to customers. A strong understanding of agricultural lending and commercial credit is essential.

JOB DUTIES AND RESPONSIBILITIES

• Manage a portfolio of approximately 30- 40 customer relationships within the assigned territory or market.
• Focus on developing and maintaining new and existing customer relationships with aggregate balances greater than $1 million and/or long-standing ARM customer relationships.
• Attract, retain, and manage strategic, complex, and high-value customer relationships that are not assigned to an Area Manager.
• As Area Manager portfolios grow, assume responsibility for transitioned customer relationships to ensure continuity of service and ongoing relationship management.
• Serve as the primary day-to-day relationship manager for assigned customer accounts.
• Maintain regular communication with customers to ensure satisfaction, strengthen relationships, and identify additional financing or service needs.
• Drive annual renewal activities, including pricing discussions, term negotiations, and coordination of required documentation.
• Partner with Credit, Operations, and other internal departments to facilitate seamless renewals, issue resolution, and exceptional customer service.
• Monitor portfolio performance, customer utilization trends, and potential risk indicators, escalating concerns when appropriate.
• Coordinate the timely collection of financial statements, reporting requirements, and other required customer documentation.
• Maintain accurate customer records, pipeline activity, forecasts, and relationship updates within HubSpot CRM.
• Participate in Regional Meetings by providing pipeline updates, portfolio status, and closing forecasts.
• Support customer retention initiatives by proactively addressing customer concerns and identifying opportunities to strengthen existing relationships.
• Assist customers with onboarding and effective utilization of the ARM customer portal and its functionality.

EXPERIENCE, QUALIFICATIONS AND REQUIREMENTS

• Strong agriculture background with business development experiences a must

Value People // Exceed Expectations // Grow Daily // Positive Attitudes // Equip People // Achieve Together

• 3-5 years of experience of credit and underwriting.
• Leadership experience a plus, but not required
• Ability to build relationships to promote loan volume and credit quality.
• Must be self-motivating and driven.
• Excellent communication skills.
• Experience with loan documentation.

PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Generally required to stand, walk, sit, use hands, handle documents, bend and stoop as needed, and reach with hands and arms
• Required to use a keyboard and computer regularly
• Specific vision abilities required, including that required to perform extensive computer-related work
• Must be able to verbally communicate with others and exchange accurate information
• Ability to receive detailed information through oral communication, and to distinguish sound and perceive the nature of sounds at normal speaking levels with or without correction

WORK ENVIRONMENT
The work environment conditions described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Moderate noise (i.e., home office with computer, phone, and printers)
• Ability to sit at a computer for an extended period
• Must be able to perform all the essential duties of the job with or without reasonable accommodation.

ABOUT AG RESOURCE MANAGEMENT
Ag Resource Management, LLC (ARM) is a technology-based financial solutions provider, offering innovative lending products and services to the agricultural industry. ARM’s commitment to agriculture and its unique underwriting approach are unsurpassed in the industry. Our production lending and crop insurance services have helped thousands of farmers with millions of acres over the past several years.
The opportunity to work at ARM includes:

• 401(k) (Roth and Traditional options) with employer match and vesting
• Paid Time Off (PTO)
• Competitive compensation and benefits package