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Loan Officer at California FarmLink - 12792

Job Title: 
Loan Officer
California FarmLink
335 Spreckels Drive, Suite F
95003 Aptos , CA
Job Type: 
Employment Type: 
Job Description: 

Loan Officer Position Announcement
Status: Full Time, Exempt
Reports To: Senior Loan Officer
Supervisory: No direct reports
Primary Office: Aptos
Salary: $60,000 - $75,000, commensurate with experience
Join California FarmLink’s lending team to support the prosperity of California farmers and ranchers,
ensure equitable access to economic opportunity, and support environmental stewardship and vibrant
local food systems. This position plays a key role in FarmLink’s agricultural lending as a Community
Development Financial Institution (CDFI), providing underserved farmers and ranchers with access to
capital and technical assistance. The Loan Officer will drive growth in FarmLink’s agricultural small
business and microlending through strong relationships with farmers and ranchers, lenders, and other
referral partners.
California FarmLink offers a generous benefits plan, including health insurance after 60 days, employer
contribution to 403b retirement plan, paid vacation, and a family-friendly and flexible work environment.
California FarmLink maintains a drug-free workplace and is an equal opportunity employer. We seek
candidates that represent the diversity of the communities we serve, and strongly encourage you to apply.

Duties & Responsibilities: 

Business Development and Origination
● Build on existing network to expand FarmLink’s reach into diverse agricultural communities across
the state to identify farmers that face barriers to accessing capital
● Cultivate relationships that are synergistic with FarmLink’s mission, and provide an efficient pipeline
of high quality deal referrals that fit our target market
● Generate repeat business and receive borrower referrals
● Screen potential loan applicants for eligibility
● Conduct high-level financial analysis of applicant businesses to determine likelihood of approval, and
appropriate loan structure
● Provide loan readiness and credit management technical assistance to prospective borrowers, and
refer to internal/external service providers as needed
● Support Senior Loan Officer and Director of Lending in managing loan pipeline to ensure timely
response to prospective borrowers, and appropriate pipeline composition
● Contribute to FarmLink loan production goals, primarily through micro and small business lending,
and collaborative lending arrangements with partners; loans typically range from $10,000 – $50,000
● Manage lending relationship with borrowers
o Support borrower success by providing business coaching and making referrals to
internal/external service providers as needed
o Monitor portfolio for quality and performance, including support to manage delinquencies and
collections, compliance with loan covenants, adjusting risk ratings quarterly, and restructures
● Underwrite and make loan recommendations on micro and small business agricultural loans
o Analyze financial information to assess business viability, repayment capacity, credit quality
and document risk factors and mitigations
o Conduct research to obtain information necessary to complete underwriting
o Prepare written analyses
o Present loan requests to FarmLink Loan Committee
● Work with Loan Operations staff to prepare closing documents, schedule and conduct closings
Risk Management and Policy
● Partner with and support Loan Operations staff to achieve program goals around loan performance
and risk management
● Develop deep knowledge of FarmLink’s lending policies
● Identify and implement lending and servicing policy improvements
Capacity Building/Other
● Support achievement of program goals as time allows, including projects in evaluation, investor
relations and reporting, fundraising, communications, loan operations, or other areas
● Participate in professional development opportunities to grow knowledge and skills to carry out
position responsibilities and support FarmLink’s mission

Education & Experience: 

● A minimum of two years relevant lending experience at a CDFI, ag lender such as FSA or Farm
Credit, community bank or other financial institution
● Strong financial analysis skills, experience exercising judgment, willingness to make hard decisions
● Bilingual, with the ability to communicate the written and spoken word in both English and Spanish
● Working knowledge (or ability to obtain working knowledge) of government guarantee programs
such as Farm Service Agency, Small Business Administration and others
● Fluency with Microsoft Office, Google Productivity Suite, CRM and loan management systems
● Exceptional organizational skills and attention to detail, well-disciplined, able to manage multiple and
competing deadlines with calmness and courtesy
● Demonstrated self-starter that can work independently, take initiative, and prioritize time wisely
● Highly effective communicator and adept at building relationships
● Ability to provide excellent customer service to both clients and FarmLink team members - in person,
on the phone and via email
● Possess flexibility, creativity, patience, and a desire to have a positive impact in the world
● An undergraduate degree in business administration, finance, community development or other
relevant field is required. For this position, FarmLink may also consider the equivalent combination of
education and work experience.
● Highly desirable:
o Native Spanish speaker
o Experience in and knowledge of sustainable agriculture, with a deep understanding of the
opportunities and challenges farmers and ranchers face

Application Instructions: 

How To Apply
Please email a thoughtful cover letter explaining your interest in the position and organization with
resume to: No phone calls please. Posted April 2021; applications accepted on a
rolling basis; open until filled.
Who We Are
The mission of California FarmLink is to invest in the prosperity of farmers and ranchers through lending,
education, and access to land. We value equitable access to opportunity, resilient working landscapes,
fairness and accountability, and learning from diverse farmers and ranchers. For more info, and to learn
about FarmLink’s commitment to Diversity, Equity and Inclusion:

Job Categories: 
Administrative & Finance