Ag Lender

Job Type

Full-time

Description

Scope:

The Agricultural Lender I is responsible for the oversight of an agricultural loan portfolio including quality loan growth and ancillary deposit growth and support of the Chief Lending Officer.

Accountabilities:

The Agricultural Lender I will:

• Maintain and expand an existing agricultural loan portfolio and service them through loan origination, closing, ongoing servicing, and collection.

• Source, develop and underwrite financing requests for existing customers.

• Work to support other agricultural lending activities.

• Conduct collateral reviews and provide inspection summaries

• Maximize bank profitability through appropriate pricing on new loan originations, fee income, and selling of all bank products and services.

• Negotiate terms and structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority within the bank as required.

• Support the bank's strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge.

• Support livestock lending activities with inspection reports.

• Make referrals to the Investment, Real Estate, and Insurance departments.

• Source, develop and underwrite financing requests for new prospects.

• Negotiate rates and terms of loans with customers and management within set guidelines.

• Provide active leadership within the loan department and promote and foster the team and family concept.

• Participate as a leader or member on various bank committees and task teams.

• Be actively involved in professional/civic/service organizations within the community and represent the bank professionally and enthusiastically.

• Perform other duties as requested or assigned.

Requirements

Experience:

• 1- 2 years of banking and lending experience

• Experience should reflect financial acumen and familiarity with technology

Special Requirements:

Critical Competencies to Effective Performances are:

1.Relationship Building-understands that a primary factor in success is establishing and maintaining productive relationships

2.Financial Acumen-understands the financial framework of the organization

3.Initiative-takes action without being prompted

4.Integrity-thinks and acts ethically and honestly

5.Problem Solving & Decision Making - identifies problems, solves them, acts decisively and shows good judgement

6.Communicativeness - recognizes the essential value of continuous information exchange and the competitive advantage it brings

7.Organizing & Planning - possesses strong organizational and planning skills

8.Industry Knowledge - knows the industry, monitors trends, and works to apply knowledge to advance the organization

9.Team Player - shares resources, responds to the needs of other departments and supports the larger organizational agenda

10.Learning Agility - seeks new knowledge and personal growth continuously