Ag​/Commercial Banker - 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,…