Agricultural Business Loan Officer

EOE Statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.

Category Lending

Full-Time/Part-Time Full-Time

Location Kingston

Position Agricultural Business Loan Officer

Agricultural Business Loan Officer

Summary

The Agricultural Business Loan Officer is responsible for developing, managing, and growing a portfolio of agricultural and agribusiness lending relationships in the Fairfield, Knox, and Licking County areas. This position serves as a trusted financial advisor to farmers, agricultural producers, and agribusiness customers by providing customized lending solutions and exceptional customer service. The Agricultural Business Loan Officer actively identifies new business opportunities, analyzes credit requests, manages loan risk, and contributes to the growth and profitability of the bank's agricultural lending portfolio while maintaining compliance with bank policies and regulatory requirements.

This position plays a key role in strengthening the bank's commitment to serving the agricultural community and supporting the economic vitality of the rural markets it serves.

• Develop and maintain strong relationships with agricultural producers, farm operations, agribusinesses, and rural businesses throughout the bank's market area.
• Proactively identify and pursue new lending opportunities through networking, referrals, community involvement, and industry events.
• Serve as the primary point of contact for agricultural borrowers and provide ongoing financial guidance and support.
• Conduct regular farm and business visits to assess operations, understand customer needs, and strengthen relationships.
• Cross-sell bank products and services including deposit accounts, treasury management, cash management, and other financial solutions.
• Represent the bank at agricultural events, farm bureau meetings, and community functions.

• Perform initial evaluations of agricultural and commercial loan requests using financial statements, tax returns, production records, cash flow projections, collateral values, and repayment capacity.
• Structure credit appropriate to the customer's operation, including operating lines, equipment loans, real estate financing, livestock financing, and agribusiness loans.
• Prepare complete and accurate loan presentations for approval in accordance with bank lending policies.
• Assess agricultural risk factors including commodity prices, weather conditions, production cycles, and market trends.
• Ensure all loan documentation is complete and complies with bank policy and applicable regulations.

• Manage an assigned agricultural loan portfolio while maintaining acceptable risk levels and strong asset quality.
• Monitor borrower performance through ongoing financial review and annual credit reviews.
• Identify and address emerging credit concerns proactively.
• Maintain accurate borrower information, financial records, and relationship documentation.
• Work with management and customers to develop strategies for minimizing credit risk and improving borrower performance.
• Assist in managing delinquent loans and workout situations when necessary.

• Please note this is not a comprehensive listing of activities, duties or responsibilities that are required of the employee. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice.

• Bachelor’s degree in Ag Business, Accounting,…