Description
Evaluate, authorize, or recommend approval of agricultural operating, equipment, and farm real estate loans for farmers, ranchers, and agribusinesses. Advise borrowers on cash flow, risk management, government programs, and payment methods, structuring seasonal credit solutions. Includes underwriting, servicing, portfolio management, and collections, often working with USDA/FSA guarantees.
- • Approve agricultural loans within specified limits and refer larger or exceptional requests to management.
- • Meet with farmers, ranchers, and agribusiness owners to gather application information and explain the lending process.
- • Analyze farm financial statements, tax returns, cash flows, production histories, and price risks to assess creditworthiness.
- • Evaluate collateral such as farmland, equipment, livestock, and crops; order and review appraisals and inspections.
- • Structure loans with seasonal or harvest-based repayment schedules aligned to production cycles.
- • Explain operating lines, equipment loans, farm real estate mortgages, and FSA‑guaranteed options and terms.
- • Obtain and compile credit reports, financial statements, production records, acreage reports, and crop insurance documentation.
- • Review and update loan and credit files, including UCC filings and lien positions.
- • Review loan agreements and collateral documents for completeness, accuracy, and policy compliance.
- • Compute payment schedules and borrowing bases using inventory, receivables, and margin requirements.
- • Stay current on USDA/FSA programs, crop insurance, commodity markets, and emerging ag finance products.
- • Submit applications to credit analysts or loan committees for verification and recommendation.
- • Handle borrower inquiries and complaints and resolve servicing issues promptly.
- • Work with clients on budgets, risk management strategies, and long‑term farm financial goals.
- • Market agricultural banking products and treasury services to producers and agribusinesses.
- • Develop referral networks with equipment dealers, co‑ops, extension agents, and real estate brokers to source prospects.
- • Monitor portfolio performance and track covenant compliance, margins, and collateral values.
- • Conduct farm and site visits to assess operations, management practices, and collateral condition.
- • Prepare credit memos, spread financials, and stress‑test cash flows, yields, and price scenarios.
- • Coordinate and perfect liens on crops, livestock, equipment, and real estate to secure collateral.
- • Manage renewals, advance requests, annual line clean‑ups, and other servicing actions.
- • Work with FSA on loan guarantees and coordinate with appraisers, title companies, and attorneys to close loans.
- • Contact borrowers with delinquent accounts to obtain payment or negotiate repayment and workout plans.
- • Calculate debts and available cash to design payoff methods and estimate time for debt liquidation; recommend restructuring when needed.
- • Confer with underwriters to resolve application issues, exceptions, or eligibility questions.
- • Maintain and review account records; assign risk ratings and update statuses based on performance.
- • Ensure compliance with banking, flood, environmental, appraisal, and consumer protection regulations.
- • Prepare and present portfolio, pipeline, and exception reports to management.
- • Review accounts for potential charge‑off or placement with collection agencies when appropriate.
- • Educate producers on financing options, recordkeeping practices, and available cost‑share or grant programs.
- • Participate in setting agricultural credit policies, limits, procedures, and standards with senior managers.
Related specializations
Interview options
Interview options
Interviewee gender
Interviewee accent
Interview time
Related Pathways
Financial Services
View
Source
Tasks & skills:
O*NET occupational data (work activities, skills, knowledge).
Learn more
Sources & Standards:
This site includes information from O*NET by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA), used under the CC BY 4.0 license. Career Clutch has modified some of this information for student readability. USDOL/ETA has not approved, endorsed, or tested these modifications. O*NET® is a trademark of USDOL/ETA.
Last reviewed: Jan 2026
