John Hittinger Email & Phone Number

Tallahassee, Fl, Us

Tallahassee, Fl, Us

· Serves present and prospective clients with sound, productive short, intermediate, and long-term agricultural credit according to lending policies, standards and procedures· Maintains loan portfolio, builds relationships and ensures client satisfaction· Promotes related services to all current and prospective clients· Services all portfolio loans with delegated authority· Develops new business by actively pursuing new prospective clients and matching products and services to client needs· Interviews loan applicants, gathers, analyzes, and reviews financial information to determine if loan requests are viable· Explains to prospective borrowers the different types of loan and credit options that are available· Ensures loan requests meet scope and eligibility requirements of Farm Credit regulation· Negotiates credit terms with borrowers· Inspects and evaluates collateral as needed or applicable· Uses discretion and independent judgment to make recommendations for approval or denial of loan requests based on the five credit factors· Presents loan applications to loan committee for approval· Communicates credit decisions to loan applicants· Advises business clients on matters of significance· Services loan portfolio to maintain high loan level quality, periodically inspects collateral and evaluates management of borrowers to detect signals of potential financial hardship· Monitors delinquent loan reports and counsels with clients using independent judgement and discretion to bring accounts current, provides guidance to clients seeking solutions to financial hardships· Follows market trends and developments to increase business in established and developing markets. Keeps informed of competition and their markets, primary products and services, major strengths and limitations, and their basic pricing arrangements

Tallahassee, Florida, United States

· Verified credit and financial data; conducted appropriate credit and reference checks on prospective borrowers· Developed skills in the analysis and reconciliation of credit and financial data using the five credit factors· Worked complete credit analysis with appropriate documentation and credit risk identified. Clearly explained the credit request, analysis of the financial information with identification of strengths and weaknesses, identification of compliance to underwriting standards, and made recommendations with regard to constructive terms and controls if warranted. Supported and explained reasoning for decisions.· Analyzed and reconciled complete, accurate credit and financial data using the five credit factors (Character, Conditions, Capital, Capacity, Collateral) under the guidelines of differential analysis to determine feasibility of granting loan