Ag​/Commercial Lender - Moberly, MO

Ag/Commercial Lender – Moberly, MO

Job Type: Full‑time, Salary

Location: Moberly, MO (On‑Site)

Department: Commercial Lending

• Manage and service commercial customer relationships as assigned
• Enhance client relationships through regular contact, providing a high level of customer service and demonstrating an understanding of their business and risk profile
• Retain clients with acceptable risk profiles
• Demonstrate an understanding, concurrence and commitment to bank policies and procedures when managing client relationships

• Meet or exceed loan, fee income and deposit growth goals as agreed and assigned annually
• Monitor market conditions and competitor impacts in order to maintain competitive and profitable relationships
• Develop and maintain comprehensive knowledge of all commercial products including loans, treasury management, trade service products and deposits to facilitate cross‑selling and enhance the client experience
• Demonstrate a strong understanding and working knowledge of loan documentation in order to mitigate risk to the bank
• Maintain and monitor annual personal plan for growth goals and objectives
• Maintain an active calling program for new business development which includes proper planning

• Demonstrate effective behavior in maximizing customer profitability to meet EPS hurdles as defined by the bank annually
• Meet or exceed the financial goals set by the bank annually. Specifically, to optimize loan pricing, fee income, and deposit rates
• Action‑oriented driving to deliver results that meet or exceed financial goals set for the individual and the bank

• Maintain acceptable levels of delinquencies/past dues, non‑performing loans and criticized/classified assets as defined by the bank annually
• Demonstrate strong credit skills in analyzing credit risk within the underwriting process. Gather complete and adequate facts/information needed to understand and assess risk, while meeting deadlines as assigned
• Communicate potential credit downgrades in a timely and effective manner
• Maintain credit and documentation exceptions within acceptable standards as defined and set by the bank annually

• Demonstrate consistent quality of work product within the context of ongoing credit analysis and risk management
• Exhibits solid time management skills, organization, planning and priority setting in carrying out day‑to‑day responsibilities for customer management and business development
• Demonstrate sound business acumen and technical knowledge for underwriting and ongoing risk management
• Exhibit strong problem‑solving skills by providing effective solutions; look beyond the obvious

• Exhibit strong interpersonal skills to include a cooperative spirit, positive attitude in all interpersonal relationships with co‑workers, managers, and subordinates
• Contribute to a professional working environment with respect to individual roles and responsibilities. Communicate problems and concerns in a respectful and constructive way
• Demonstrate respect and observe rules and act in ethical manner
• Build rapport with customers through approachability and a dedication to meeting their expectations and requirements

• Bachelor’s Degree, equivalent experience may apply
• Lending Experience
• Excellent interpersonal skills and professional manner
• Computer skills, especially the ability to work in Windows‑based systems
• Maintain a working understanding of and comply with, banking regulations, bank policies, and procedures

The position requires standing, walking, bending, and squatting on a regular basis. May require the ability to stoop, kneel, crouch or reach with hands and arms. Requires the ability to carry, lift, move or push up to 25 pounds on an occasional basis. Must be able to talk and listen to others.

This position regularly works in an office setting. Most of the job duties require the employee to be working with computers and electronic media on a regular basis.

• Health, Dental & Vision Insurance
• Group Life & Long‑Term Disability Insurance
• Flexible Spending & Health Savings Accounts
• Group Cancer Insurance
• 401(k) Retirement Plan w/Company Match
• Generous Vacation & Sick Time
• Employee Stock Purchase Plan (ESPP)
• Pet Insurance
• Retail Banking Benefits

Equity Bank is an equal opportunity employer and will not make employment decisions based on an applicant’s race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

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