Ag Banker

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Full Time Professional Sioux Falls - Harrisburg, Harrisburg, SD, US

10 days ago Requisition

First Western Bank is searching for an on-site Ag Banker at our community bank in either Sioux Falls or Harrisburg, SD.

ABOUT THE BANK:

Founded in 1964, First Western Bank is built on a solid foundation of values and principles established by Jack Hoeven — values that continue to guide us today. We take pride in investing in and giving back to the communities we serve. We treat everyone with respect
, set high standards of excellence
, and remain dedicated to our customers. With unwavering integrity
, we maintain a culture of honesty, transparency, reliability, and trust
.

AG BANKER
POSITION OVERVIEW:

Develop new agricultural loan business through securing, structuring, and closing loans, as well as maintain and service existing Ag lending portfolio.

• Conduct sales calls and meet with prospective and existing customers to establish new loan business
• Represent the bank in local community and at agriculture meetings and events to market the bank’s products, services, and expertise
• Administer individual loan portfolio including agriculture, agri-business, and other assigned loans
• Manage all new loan relationships and assigned relationships
• Service all performing and non-performing loans within individual loan portfolio
• Interview loan customers to determine lending needs
• Work with the Farm Service Agency, Small Business Administration, and Bank of North Dakota to qualify customers for available lending programs
• Negotiate direct lending terms as well as collateral and payment structures
• Meet with customers to request information for loan applications, credit reports, background checks, and other information needed for loan evaluation
• Compile financial information including income tax records, balance sheets, annual cash flow budgets, and other data to create loan spreads
• Analyze applicant financial status and conduct collateral evaluations to make lending decisions
• Approve credits up to authorized lending limit and prepare those that exceed limits for loan committee and/or Board approval

AG BANKER EDUCATION AND/OR

EXPERIENCE:

• Five years’ experience in bank lending, loan review, compliance, or finance
• Strong understanding of financial statements and credit standards
• Knowledge of agriculture industry preferred

AG BANKER

COMPETENCIES:

• Building Relationships – able to grow and maintain strong long-term customer relationships
• Business Judgment – able to identify business relationships and make sound decisions that are in the best interest and long-term success of the bank
• Communication – excellent written and verbal communication skills to clearly convey information to diverse audiences
• Customer Focus – able to understand customer needs and promote the value of the bank’s products and services
• Emotional Intelligence – can navigate difficult situations with empathy and understanding, fostering positive relationships
• Interpersonal Skills – can communicate and interact with others in a way that promotes mutual respect and trust
• Negotiation – able to lead negotiations and convert them to mutually beneficial agreements or solutions
• Persuasiveness – ability to build strong relationships and trust with colleagues, clients, and stakeholders; fostering collaboration and consensus
• Problem-Solving – skilled in identifying and resolving complex problems using analytical and critical thinking skills
• Resilience – able to bounce back from difficult situations and maintain a positive attitude and performance
• Teamwork – proven ability to work collaboratively in a team environment to achieve…