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Related roles: Agricultural Lending Manager, Farm Credit Analyst, Agricultural Finance Officer, Rural Credit Portfolio Manager, Agricultural Loan Underwriter, Agribusiness Credit Specialist, Farm Loan Administrator, Agricultural Risk Assessment Manager, Agri-Finance Relationship Manager, Crop and Livestock Loan Officer


Tiêu đề tương tự

Agricultural Lending Manager, Farm Credit Analyst, Agricultural Finance Officer, Rural Credit Portfolio Manager, Agricultural Loan Underwriter, Agribusiness Credit Specialist, Farm Loan Administrator, Agricultural Risk Assessment Manager, Agri-Finance Relationship Manager, Crop and Livestock Loan Officer

Mô tả công việc

Agriculture is big business. Huge, in fact, with ~$1.26 trillion contributed to America’s gross domestic product in 2021! The sector is so large there that many financial lenders specialize in only agricultural lending. Such organizations employ Agricultural Credit Managers to oversee ag loans and other types of ag financing. 

Part of an Agricultural Credit Manager’s job is to assess loan applications, which involves determining the financial health and creditworthiness of potential borrowers, as well as suitable loan amounts and interest rates. These managers work with borrowers to explain loan terms and offer advice aimed at reducing risks and achieving positive outcomes for all parties. In addition, Agricultural Credit Managers often help develop relevant ag-related credit policies based on laws, regulations, and industry trends.

Các khía cạnh bổ ích của sự nghiệp
  • Empowering agricultural business owners with the funding they need to grow
  • Being part of a massive sector that is vital to the economy and the food supply chain
  • Làm việc trong một thị trường ngách sinh lợi, chuyên biệt với cơ hội nghề nghiệp tuyệt vời
  • Tác động đến sức khỏe tài chính và sự ổn định của cộng đồng nông thôn 
Muỗng bên trong
Trách nhiệm công việc

Lịch làm việc

  • Agricultural Credit Managers work full-time jobs, typically during normal bank hours, with nights, weekends, and holidays off. Occasional travel may be necessary. 

Nhiệm vụ tiêu biểu

  • Schedule appointments to meet with loan or credit applicants and other potential borrowers, including farmers, local agribusinesses, or rural community businesses in the ag sector
  • Review applications and verify reported income, assets, property values, tax payments, and debts of potential borrowers as part of the underwriting process
  • Complete financial spreading tasks to transfer applicant financial data into analysis software
  • Consider specific risks outside of the borrower’s control, such as market conditions, crop yields, livestock prices, etc. 
  • Collaborate with analysts and property appraisers, as needed 
  • Determine whether or not applications should be approved, what collateral needs to be put up (if any), the loan or credit amounts to be offered, suitable interest rates, and applicable repayment terms
  • Complete applications and carefully review risks and terms with borrowers
  • Keep clients updated on any information relevant to their accounts/portfolios
  • Meet with institutional leadership to discuss issues, priorities, and goals

Trách nhiệm bổ sung

  • Conduct periodic, scheduled reviews of existing accounts
  • Complete training and development sessions, or organize them for other team members, as needed
  • Help write, review, or revise credit administration policies to align with updated laws, regulations, and guidelines, in order to improve efficiency and compliance 
  • Duy trì mối quan hệ tốt với nông dân địa phương, chủ doanh nghiệp nông nghiệp, hiệp hội ngành nghề và các tổ chức hoặc cơ quan liên quan
Các kỹ năng cần thiết trong công việc

Kỹ năng mềm

  • Phân tích
  • Kỹ năng giao tiếp
  • Dịch vụ khách hàng 
  • Dứt khoát
  • Định hướng chi tiết
  • Độc lập 
  • Tính toàn vẹn 
  • Mục tiêu
  • Tổ chức
  • Kiên nhẫn 
  • Giải quyết vấn đề

Kỹ năng kỹ thuật

  • Financial modeling and analysis skills
  • Credit evaluation and loan management software
  • Kiến thức về ngành nông nghiệp 
    • Agricultural markets
    • Trồng trọt
    • Farming economics
    • Livestock prices
  • Risk assessment and management principles
  • Spreadsheets
  • Phần mềm quản lý quan hệ khách hàng (Customer relationship management software)
Các loại tổ chức khác nhau
  • Banks, credit unions, and other lending institutions
Kỳ vọng và hy sinh

Agricultural businesses are vital to the economy at all levels but have particular impacts on rural communities. When an ag business fails for any reason, the loss can be devastating to the local economy. But private lending institutions can’t afford to take big risks when it comes to offering loans or extending credit. 

Agricultural Credit Managers must be very objective when assessing the creditworthiness of a business. They can’t rely on wishful thinking. They must also consider the effects of external factors that may help or hurt the borrower’s business. Sometimes credit managers have to make tough and even unpopular choices, without seeming to come across as unfair or unempathetic.

Xu hướng hiện tại

The agricultural sector has been hit hard by various climate and environmental factors, which can increase costs, decrease crop production, and lead to financial losses. Agribusinesses must do their best to adapt, which can involve making “climate-smart” practices or trying more resilient crop varieties. In addition, many farmers are shifting to more sustainable and environmentally-friendly practices, though there can be added costs to such moves. 

The FDIC lists five “perennial health hazards” to the sector, including environmental risks, market volatility, rising interest rates, geopolitical risks, and a general decline in farmland values. It goes on to note that “Robust credit concentration risk management begins at the bank level, includes sound agricultural lending practices, and considers any associated third-party risks.” In other words, Agricultural Credit Managers have to understand and follow established practices to help mitigate the above risks as best as possible.

Giáo dục và đào tạo cần thiết
  • Agricultural Credit Managers often have a bachelor’s or master’s degree in finance, accounting, or business
  • Most applicants won’t start in a managerial role. Employers usually want candidates with relevant experience in agriculture-related credit management or collections
    • Some employers hire from within, promoting current employees into management positions
  • Students should also have a strong understanding of the agriculture sector and the variables which impact its financials. This can be gained through college classes, such as a minor in agriculture business
  • Businesses typically provide some On-the-Job training for new credit managers and may send them to courses to hone their skills
  • Completing a Certified Management Accountant or Certified Public Accountant credential can enhance one’s qualifications and professional credibility
Những điều cần tìm kiếm trong một trường đại học
  • Students should seek colleges offering majors in accounting, finance, or business
  • Consider schools that also feature courses in agricultural business 
  • Tìm kiếm các chương trình có thực tập hoặc các cơ hội khác mà bạn có thể có được kinh nghiệm thực tế, đặc biệt là liên quan đến quản lý tín dụng nông nghiệp 
  • Luôn luôn so sánh chi phí học phí và các khoản phí khác. Xem xét các lựa chọn của bạn cho học bổng và hỗ trợ tài chính
  • Xem liệu chương trình có bất kỳ quan hệ đối tác nào với các công ty thuê sinh viên tốt nghiệp không! 
  • Lưu ý thống kê tốt nghiệp và giới thiệu việc làm cho cựu sinh viên 
Những điều cần làm ở trường trung học và đại học
  • High school students should take courses in business, accounting, finance, math, English, communications, information technology, statistics, and speech or debate
  • Knowledge of agriculture and agricultural business practices will be very useful
  • Having banking and credit management experience can be helpful. Look for part-time jobs where you can rack up some relevant work experience 
  • Áp dụng cho thực tập có liên quan, thông qua trường học của bạn hoặc của riêng bạn
  • Read magazines and website articles related to agribusiness and specialized lending
  • Consider doing ad hoc courses via Coursera or other sites to learn more about agribusiness
  • Request an informational interview with a working Agricultural Credit Manager at a local bank or other lending institution 
  • Students may also want to brush up on government laws and loan options related to farmers and agribusiness owners, such as Farm Ownership Loans, Farm Operating Loans, Marketing Assistance Loans, the Inflation Reduction Act Assistance for Distressed Borrowers, etc. 
Lộ trình điển hình
Giám đốc tín dụng nông nghiệp
Làm thế nào để có được công việc đầu tiên của bạn
  • Kiểm tra các cổng thông tin việc làm như, LinkedIn, Glassdoor, Monster, CareerBuilder , SimplyHired hoặc ZipRecruiter
  • Đừng mong đợi bắt đầu ở cấp độ quản lý! Trừ khi bạn đã có một vài năm kinh nghiệm làm việc có liên quan, trước tiên bạn sẽ cần phải nộp đơn vào các vị trí cấp đầu vào
  • Consider relocating close to a rural area where there are farm banks and agribusinesses
    • Note, the FDIC states there are 1,500 farm banks, “heavily concentrated in the nation's heartland, including the Corn Belt and Great Plains”
  • Stay in touch with classmates and use your network to get job tips. Most jobs are still found through personal connections, and the world of agricultural lending isn’t that big! 
  • Hỏi người hướng dẫn, người giám sát cũ và / hoặc đồng nghiệp của bạn nếu họ sẵn sàng phục vụ như là tài liệu tham khảo cá nhân. Không cung cấp thông tin liên hệ cá nhân của họ mà không có sự cho phép trước
  • Check out some Agricultural Credit Manager resume examples and sample interview questions
  • Thực hành thực hiện các cuộc phỏng vấn giả với trung tâm hướng nghiệp của trường bạn (nếu có)
  • Dress appropriately for interviews and show your enthusiasm for and knowledge of the field 
Làm thế nào để leo lên thang
  • Work objectively while ensuring clients feel taken care of. Explain negative loan or credit decisions in a way that is empathic and does not burn bridges 
  • Resolve client issues quickly and try to ensure the best outcomes for everyone. Lenders rely on repeat business from clients, and it’s more cost-effective to keep existing clients than to find new ones
  • Keep track of trends and challenges within the agribusiness industry (in particular, all factors that affect production and profits)
  • Be proficient in software programs for financial modeling, risk assessment, credit evaluation and loan management, and customer relationship management 
  • Cộng tác hiệu quả với các thành viên trong nhóm và phát triển mối quan hệ bền chặt với nông dân địa phương, chủ doanh nghiệp nông nghiệp và các bên liên quan khác trong cộng đồng
  • Communicate regularly with leadership and stakeholders to ensure objectives and problems are clearly defined  
  • Hãy để người giám sát của bạn biết bạn quan tâm đến sự phát triển nghề nghiệp và yêu cầu lời khuyên của họ
  • Earning a graduate degree may help some Agricultural Credit Managers qualify for advancement
  • For those working at small institutions, you may have to apply to work for a larger organization to make a bigger paycheck or reach larger career goals
  • Completing a Certified Management Accountant or Certified Public Accountant credential should enhance your qualifications. Advanced certifications such as the Credit Executive Leadership Institute’s Certified Credit Executive can boost your credentials even more! 
Kế hoạch B

Compared to some career fields, Agricultural Credit Management isn’t a huge field and most jobs will require living near rural areas—which may not be everyone’s cup of tea! If you’re curious about related career options, consider the below similar occupations: 

  • Kế toán và Kiểm toán viên
  • Chuyên viên phân tích ngân sách
  • Chuyên viên phân tích tài chính
  • Đại lý bán bảo hiểm
  • Thẩm định viên bảo hiểm
  • Loan Officer
  • Cố vấn tài chính cá nhân

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