VP of Ag and Business Banking

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. Ifthe employee performs duties and activities that qualify them as aMortgage Loan Originator, they will be required to meet allrequirements to comply with the SAFE Act.

Education and experience preferred includes:
Bachelor's degree (B.A.) from four-year college or university in the field of business,including specific courses in accounting, finance, and economics; atleast five years related banking experience and/or training; or equivalent combination of education and experience. In addition, postgraduate industry-specific education (e.g., Stonier School of Banking, etc.).

• Consult with clients in evaluating other Bank products that meetthe client's financial needs
• Actively develop and maintain a good working relationship withand between all company staff, clients, and others involved inloan 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, reviewingmissing 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 thetransaction, including review of and assistance for additional andfuture financial needs
• Prepare statements on delinquent accounts and forwardirreconcilable 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 requests specified information for loanapplication; request appraisals, applicant credit reports,background checks, reference checks, and other information pertinent to evaluation of loan application; analyzes applicantfinancial status, credit, and property evaluation to determinefeasibility of granting loan; and correspond with or interviewsapplicant or creditors to resolve questions regarding application information.
• Compile loan package and facilitate negotiation with applicantaccording to established standards, such as fees, loan repaymentoptions, and other credit terms; refer loan to loan committee for approval; ensures loan agreements are complete and accurateaccording to policy; assures 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 resolves complaints relating to loan products and services offered.
• Regularly makes 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 theloan officers to assure the timely collection of all delinquentaccounts and develop revised loan repayment terms or schedules as necessary.
• Establish and maintain positive working relationships with loanbusinesses 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.
• Underwriting all classifications of agricultural and business loans, including government guaranteed and sponsored loans. Thesecondary aspect of the job is to underwrite all types of consumerloans. Completion of the input form designating the specific documentation required to provide security interest in thecollateral, maintain compliance, and the ancillary documents needed for complex credits. The job requires closing the loans atthe bank, client’s office or the title company.
  
  Responsibilityincludes…