VP of Ag and Business Banking

Job Description

TS Bank is seeking to hire a VP of Ag and Business Banking position. This role will originate, underwrite and close secured and unsecured agricultural and business loans in accordance with established lending objectives, policies and procedures; establish and maintain positive relationships with existing and potential clients, by performing the following duties. If the employee performs duties and activities that qualify them as a Mortgage Loan Originator, they will be required to meet all requirements to comply with the SAFE Act.

Education and experience preferred includes:
Bachelor's degree (B.

A.) from a four‑year college or university in the field of business, including specific courses in accounting, finance, and economics; at least five years related banking experience and/or training; or equivalent combination of education and experience. In addition, post‑graduate industry‑specific education (e.g., Stonier School of Banking, etc.).

Position location:

Atlantic, IA

• Consult with clients in evaluating other Bank products that meet the client's financial needs
• Actively develop and maintain a good working relationship with and between all company staff, clients, and others involved in loan transactions
• Promote sale of credit and loan services
• Remain the primary point of contact between client and bank, throughout the loan process
• Perform weekly file review of all loans in process, reviewing missing items still needed
• Comply with all applicable government regulations and cooperate with internal quality control and compliance programs
• Develop a strategy to assist clients after completion of the transaction, including review of and assistance for additional and future financial needs
• Prepare statements on delinquent accounts and forward irreconcilable accounts for collector action
• Participate in training programs as required by management
• Review and analyze client's financial status, goals and needs, and recommend the appropriate loan product
• Interview applicants and request specified information for loan application; request appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to evaluation of loan application; analyze applicant financial status, credit, and property evaluation to determine feasibility of granting loan; and correspond with or interview applicant or creditors to resolve questions regarding application information.
• Compile loan package and facilitate negotiations with applicant according to established standards, such as fees, loan repayment options, and other credit terms; refer loan to loan committee for approval; ensure loan agreements are complete and accurate according to policy; assure timely loan closing and funding activities.
• Utilize government programs when deemed necessary to meet client's credit needs.
• Assist clients with inquiries and information requests, and resolve complaints relating to loan products and services offered.
• Regularly make out-of-the-bank business calls on existing and potential clients.
• Responsible for growth of loan portfolio.
• Actively participate in the bank's credit committee meetings.
• Participate in the collection procedures and processes of the loan officers to assure the timely collection of all delinquent accounts and develop revised loan repayment terms or schedules as necessary.
• Establish and maintain positive working relationships with loan businesses and other organizations to provide information regarding the lending programs and policies.
• Participate in the bank's business development activities, represent the bank in industry and professional associations, community organizations, local business groups, etc., and promote the bank's favorable image.
• Underwrite all classifications of agricultural and business loans, including government guaranteed and sponsored loans. The secondary aspect of the job is to underwrite all types of consumer loans. Completion of the input form designating the specific documentation required to provide security interest in the collateral, maintain compliance, and the ancillary documents needed for complex credits. The job requires…