Careers at Legacy Ag Credit

Assists loan officers in the analysis, servicing, and reporting of the association’s mortgage and commercial loans. Fully competent professional, assignments are varied and moderately complex in nature, some latitude for decision making, works under moderate supervision.

Company Profile

Legacy Ag Credit, ACA is headquartered in Sulphur Springs and has five offices conveniently located across the northeastern region of Texas in Sulphur Springs, Canton, Gilmer, Terrell, and Longview. As part of the Farm Credit System for more than 100 years Legacy Ag Credit is a rural agricultural lender and a private cooperative, focused on financing farms, timberland, recreational property, agribusiness firms and rural homes.

Education and Experience Requirements

Bachelor’s degree in Accounting, Finance, Business Administration or a related field, or equivalent experience and two (2) to four (4) years of experience in general bookkeeping or the administration and analysis of credit on commercial and mortgage loans including risk assessments and recommendations on approval of loan applications.

Essential Functions

• Assists loan officers in the analysis, servicing, and reporting of the association's mortgage and commercial loans.  Works directly with lending staff in the development of appropriate credit decision and prepares other reports as requested by management.
• Analyzes financial information including balance sheets, income statements, cash flow and tax returns to form an opinion of the strengths, weaknesses and risks associated with loan packages.  Determines probability of default (PD) ratings as appropriate and make recommendations for approval or denial of loan.
• Interprets, communicates, and provides guidance to loan officers regarding association lending policies and procedures.
• Reviews and approves loans submitted by other lending staff that exceed their delegated authority.
• Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
• Complies with proper credit administration practices as outlined in the associations policies and procedures.
• Assists senior-level credit analysts with complex loan applications as necessary.

Skill Requirements:

Our comprehensive benefit program includes, but is not limited to:

• An outstanding company-wide incentive program
• Accommodating and flexible vacation and sick leave
• 10-12 paid holidays per year
• 401(k) plan with up to a 9% employer contribution/match
• Affordable health, dental, and vision plans
• Employer paid life insurance and disability
• Tuition reimbursement

To Apply

To be considered for this position, please email or fax your resume and salary history to the following:

Legacy Ag Credit, ACA
ATTN: Sherry Sturgis, Senior Vice President/Chief Administrative Officer
303 Connally
Sulphur Springs, TX 75482
Sherry.Sturgis@legacyaca.com

We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law.

COMPANY PROFILE:Legacy Ag Credit, ACA is a full-service, locally owned cooperative lender specializing in financing rural land and agricultural operations in Northeast Texas.  We are headquartered in Sulphur Springs and have six (6) offices conveniently located across the northeastern region of Texas in Sulphur Springs, Canton, Gilmer, Terrell, Longview, and Marshall. Part of the Farm Credit System, we provide financing for farms, timberland, recreational property, agribusinesses, and rural homes.

EDUCATION AND EXPERIENCE REQUIREMENTS:  Bachelor’s degree in Marketing, Communications, Advertising, Business or a related field, or three (3) or more years of related marketing experience, including utilization of a customer relationship management (CRM) or sales operations platform.

ESSENTIAL FUNCTIONS:

1. In coordination with senior management, establishes the goals and objectives of the association’s marketing, communications, and public relations programs.  Directs activities designed to enhance the association’s public image and its position within the marketplace, including monitoring and managing the association’s website and social media accounts.
2. Directs and coordinates planning and development of the advertising, sales promotion, and public relations efforts for financial products/services by writing, designing, and producing advertising, brochures, direct marketing materials, sales promotion items and point of sale material. Manages relationship with advertising agencies, media, and other vendors. Coordinates corporate promotions and sponsorships on behalf of the association.
3. Monitors the production of marketing and advertising presentations. Manages advertising and public relations on an association-wide level.  Ensures consistent appearance of all association print and electronic materials.
4. Takes photographs of relevant association activities.
5. Coordinates, analyzes, and distributes market research data.
6. Develops marketing related meetings and functions, including coordination of the association’s appreciation and/or stockholder’s meetings.
7. Administers and coordinates representation at trade shows by setting up and working the booth and ordering giveaways and booth materials. Implements work schedule for other employees to help at trade shows.
8. Administers sponsorships/donations, subscriptions, and memberships programs on behalf of the association.
9. Coordinates and administers specialty item orders. Orders and disburses all gifts and specialty promotional items.

SKILL REQUIREMENTS:  General knowledge of marketing principles, advertising, media, public and media relations, product promotion, sales, customer service, coordination with advertising agencies, website, and social media account management. Experience in utilization of a customer relationship management (CRM) or sales operations platform. Skill in oral and written communication. Intermediate skill level in Microsoft Office applications. Ability to develop and make effective presentations.

BENEFITS:  Our comprehensive benefit program includes, but is not limited to:

• An outstanding company-wide incentive program
• Accommodating and flexible vacation and sick leave
• 10-12 paid holidays per year
• 401(k) plan with employer contribution/match
• Affordable health, dental, and vision plans
• Employer paid life insurance and disability
• Tuition reimbursement

TO APPLY:  If you’re interested in joining the Legacy Ag Credit team and meet the minimum requirements for this position, send your resume to:

Legacy Ag Credit, ACA

ATTN:  Sherry Sturgis, Senior Vice President/Chief Administrative Officer
303 Connally

Sulphur Springs, TX 75482

Sherry.Sturgis@legacyaca.com

AA/EOE/M/F/D/V

Company Profile: Legacy Ag Credit, ACA is a full-service, locally owned cooperative lender specializing in financing rural land and agricultural operations in Northeast Texas.  We are headquartered in Sulphur Springs and have six (6) offices conveniently located across the northeastern region of Texas in Sulphur Springs, Canton, Gilmer, Terrell, Longview, and Marshall. Part of the Farm Credit System, we provide financing for farms, timberland, recreational property, agribusinesses, and rural homes.

Education and Experience Requirements:  Bachelor’s degree in Business Administration, Finance, Agricultural Economics, or a related field, or equivalent experience and three (3) to five (5) years or more of progressively responsible banking or related agricultural lending experience. Experience should include a broad understanding of lending regulations, credit operations, and credit practices.

Job Purpose and Scope:  Responsible for initial relationship and follow-up with mid-size prospects. Develops and implements select customer referral strategies in order to increase client satisfaction and loan portfolio growth for the Association. Has direct responsibility in the development of the association’s market share. Manages and maintains current business relationships and seeks new accounts.

Essential Functions

• Concentrates primarily on generating new business and developing a loan portfolio through direct solicitation origination of eligible loans.
• Monitors business relationships and credit compliance of originated loans.
• Evaluates needs of potential clients and provides appropriate financial solutions.
• Ensures proper loan underwriting and structuring is achieved through enforcement of loan policies and that they are properly approved in accordance with loan authorities and in conjunction with the centralized underwriting units.
• Makes calls on borrowers, potential borrowers and other contacts to generate new business.
• Manages and monitors respective loan portfolio and status of all exceptions and past dues on business and consumer loans in accordance with loan policy working in conjunction with reports from the centralized underwriting units.
• Provides ongoing relationship servicing, including the resolution of service issues of clients.

Skill Requirements:  Excellent interpersonal relations, public speaking, administrative and communication skills are required. Strong analytical skills, the ability to evaluate financial statements as well as identify and implement corrective actions when needed. Knowledge of business practices in mortgage and commercial lending, including credit standards, real estate appraisal, internal controls, financial management, public and member relations, and marketing techniques.

Benefits:  Our comprehensive benefit program includes, but is not limited to:

• An outstanding company-wide incentive program
• Accommodating and flexible vacation and sick leave
• 10-12 paid holidays
• 401(k) plan with up to a 9% employer contribution/match
• Affordable health, dental, and vision plans
• Employer paid life insurance and disability
• Tuition reimbursement             

To Apply:  If you’re interested in joining the Legacy Ag Credit team and meet the minimum requirements for this position, please send your resume to:

Legacy Ag Credit, ACA
ATTN: Sherry Sturgis, Senior Vice President/Chief Administrative Officer
303 Connally
Sulphur Springs, TX 75482
Sherry.Sturgis@legacyaca.com

AA/EOE/M/F/D/V