Financial Officer - Albany, OH

About Our Opportunity

The Financial Officer drives marketplace growth and portfolio management through a focused balance of sales, marketing, and support of agricultural loans. Applies agriculture, financial, and product knowledge to understand customers and prospects financial and operational position, identifies growth opportunities, and delivers financial solutions. Builds, manages, maintains a quality portfolio while building long term customer relationships within an assigned territory.    

This role contributes independently to routine and recurring work with growing confidence and consistency. It applies established procedures, manages assigned responsibilities effectively, and collaborates with others to support business outcomes. Team members at this level are expanding functional knowledge, strengthening judgment, and developing problem-solving skills within defined parameters.

This position requires existing NMLS registration under the SAFE Act, or the ability to obtain the same upon hire, and maintenance of a status in good standing during employment.

How You Will Spend Your Time

• Manages an assigned portfolio, generates new business, promotes and cross-sells products and services, and delivers customer experience aligned with the Association’s mission. 
• Applies a consultative lending approach to understand customer goals, capacity, leverages industry trends, and market insights to deliver agricultural financial solutions that support long-term customer sustainability and business objectives.
• Builds and maintains strong professional presence and relationships with customers, influencers, and team members while demonstrating expertise across multiple agricultural industries.
• Designs, recommends, and delivers innovative financial packages advising customers on financial information and competitively pricing loans based on risk, profitability, and customer needs.
• Partners with analysts and other internal stakeholders, including Special Accounts when appropriate, to discuss credit packages, participate in consensus decision making, and support effective credit resolution.
• Ensures sound credit administration by adhering to regulatory and policy requirements.  Gathers and maintains accurate documentation, clearly communicates credit decisions, loan terms, conditions, expectations, maintaining confidentiality and customer confidence.
• Completes routine assignments independently using established procedures and sound judgment.
• Applies working knowledge to resolve common issues and identifies when to seek guidance.
• Communicates clearly with teammates and internal partners to support coordinated work.
• Organizes workload to meet deadlines and deliver consistent, reliable outcomes.
• Contributes ideas that strengthen processes, accuracy, and effectiveness.
• Uses available tools and resources to resolve straightforward issues and improve confidence.

Education & Experience

• High School Diploma/GED with 5 years relevant experience required.
• Bachelor's Degree with 1 years relevant experience preferred. 
• Strong credit analysis skills preferred.
• Lending experience, preferably serving agricultural and commercial customers preferred.
• Strong business acumen and understanding of customers’ financial needs are preferred.
• Agricultural industry knowledge or experience preferred.
• Self-motivated, with the ability to take initiative and work independently preferred.

Mental & Physical Requirements

While performing the responsibilities of this role, team members typically sit for extended periods, use hands for computer and office tasks, and communicate verbally. Standing or walking may be required on a frequent basis, with occasional reaching, lifting, or moving items weighing up to ten pounds. Vision requirements include close and distance vision. The work environment generally involves a moderate noise level.

This role requires sustained mental focus, problem-solving, and the ability to manage multiple tasks, with extended computer use common. Some positions may include additional physical or mental requirements related to driving, such as holding a valid driver’s license and the ability to travel long distances.

Reasonable accommodations will be considered to enable individuals to perform the essential functions of the role.