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Farm Credit Mid-America FLCA Consumer Loan Officer in South Bend, Indiana

At Farm Credit Mid-America, we believe people are our strongest asset. We are consistently looking to hire individuals from a wide range of experience and capabilities who have a desire to serve. Currently, we have over 1,100 employees across Indiana, Ohio, Kentucky and Tennessee.

The Consumer Loan Officer (CLO)/ Sr. Consumer Loan Officer (SCLO) is a sales position primarily responsible for building relationships with business contacts and customers in the consumer market segments. The CLO/SCLO will use his or her knowledge of the consumer marketplace, products and finance to fully understand the customer’s or prospect’s business and personal plans and then market the Farm Credit Mid-America financial services that best meet the needs.

The CLO/SCLO has the responsibility for originating credit to his/her customers by assessing the request and obtaining business and financial information needed to determine the viability and profitability of the deal. After initially screening for soundness, the CLO/SCLO submits the information to an analyst, underwriter or scoring system for final decision. The CLO/SCLO leads the customer relationship and often coordinates with others to serve the customer’s loan, lease, crop insurance and servicing needs.

TRAVEL REQUIREMENTS: 60% of the time out of office for local travel. This position will serve the South Bend, Elkhart and Plymouth, Indiana area.


  • SALES and RELATIONSHIP MANAGEMENT: The CLO/SCLO will develop and maintain a significant professional presence that yields sales that increase the Association’s market share in the assigned territory. The CLO/SCLO will spend most of the time out of the office to build professional relationships with customers, prospective customers and influencers based on mutual trust and respect. Use understanding of customer goals, credit strengths and weaknesses to deliver “value added”/constructive financial information to the customer.


  • Determines and defines the appropriate customer interaction and coordinates the appropriate staff that may directly or indirectly be a part of the relationship to serve the customer’s loan and servicing needs

  • Communicates to the customer and to internal team members regarding the customer’s needs.

  • Introduces customers to the Association’s process and the retail service team that will support the process.

  • DELIVER SOUND CREDIT: As part of the ongoing consultative relationship with our customers, the CLO/SCLO will:

  • Gather and document customer financial information and application details, in compliance with lending requirements and in coordination with CHLS

  • Interpret and evaluate financial information and ask appropriate follow-up and probing questions to determine the appropriate product or service.

  • Recommend loan terms, conditions, and collateral position consistent with the request and associated loan risks, and then set clear expectations with the customer, and document pertinent customer information in Relationship.

  • Communicate credit decisions, loan terms and conditions to the customer

  • SERVICE PORTFOLIO: In order to appropriately support the customer, the CLO/SCLO will:

  • Manage the disbursement process in home loan construction projects

  • Partner with Country Home Loan Specialist- to complete servicing actions required for individual customer circumstances

  • Partner with Customer Support Specialist- to monitor the portfolio for timely identification and service loans that expose the association to risk.

  • Using knowledge of servicing options, the CLO/SCLO will effectively negotiate and communicate these options to the customer, and may partner with the Special Accounts Loan Officer for resolution.

  • Represent and Communicate the mission and values of FARM CREDIT MID-AMERICA and abide by its conduct policy, security policy and confidentiality expectations.


Education and Experience

Bachelor’s degree in agriculture, business or related degree. At least 1 year of successful experience, in trainee role or in a similar field. Generally competent with routine customers who have basic product needs.

Here's What We Can Offer You...

Farm Credit Mid-America has an outstanding Total Rewards package, which includes, but is not limited to:

  • Salary commensurate with experience

  • 15 vacation days, 15 sick days, and 9 paid holidays per year

  • 401(k) plan

  • Medical, Dental, Vision, STD, LTD, Life/AD&D benefits, etc.

  • Fitness Incentive Program

  • Tuition Reimbursement

Farm Credit Mid-America is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability or any other category protected by law.