Ag Business Banker

Primary Responsibilities And Accountabilities

• Maintains a portfolio of existing customers and maximizes relationships to build customer satisfaction and confidence in the Bank.
• Gathers and oversees compilation of all needed information for loan application.
• Works in tandem with Credit Administration to request appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to evaluation of loan application.
• Corresponds with or interviews applicant or creditors to resolve questions and negotiate agreements/terms.
• Actively involved in business development, while keeping informed of trends that may impact the bank, including legal, regulatory, and economic issues.
• Maintains the asset quality of the loan portfolio.
• Communicates with Market President and/or Chief Banking Officer on a regular basis on community activities and others on operational and/or lending issues as needed.
• Facilitates negotiation with customer, both new and existing, according to established standards, such as fees, loan repayment options, and other credit terms.
• Refers and/or presents credit proposals to loan committee for approval in excess of individual loan approval authority.
• Ensures loan agreements are complete and accurate according to policy.
• Affirms timely loan closing and funding activities.
• Maintains updated loan documentation and loan files.
• Sets networking opportunities with valuable third party associates and potential clients through community activities, professional organizations, educational workshops and seminars, charitable organizations, and economic and community development organizations (local Chambers, economic development councils, etc.).

Secondary Responsibilities And Accountabilities

• Represents Bank in industry and professional associations, community organizations, local business groups, etc., and promotes Bank's favorable image.
• Collections delinquent accounts in timely manner within bank procedures/processes.
• Develops/ negotiates revised loan repayment terms/schedules as necessary.
• Remains knowledgeable and abreast of guaranteed government loan programs and other conventional financing mechanisms as vehicle for customers.

TEAM/COMMITTEE ASSIGNMENTS

TBD

ROLE QUALIFICATIONS

• Education: Bachelor’s degree in Business, Finance or Accounting, or equivalent combination of education and experience.
• Experience: A minimum of 2 to 5 years commercial and agricultural lending and credit analysis experience within a financial institution environment preferred.
• Other Skills And Abilities: Business development/sales skills, Strong communication skills, both written and verbal, Knowledge of lending regulations and policies, Ability to interact with customers and employees with tact, diplomacy and confidentiality, Resourceful, innovative and well organized, Ability to assess problems and/or unusual situations and develop logical solutions, Strong ethical focus, Negotiation skills

  PERFORMANCE MEASURES

  • Mets or exceeds annual goals as pre-established by the CEO that are aligned with the strategic plan
  • Mets or exceeds compliance with regulatory requirements
  • Mets or exceeds all sales and growth goals
  • Mets or exceeds maintenance or exceed business & agricultural loan portfolio of $20 MM
  • Proactively develops Commercial DDA business
  • Affirms actively develops business for the Bank
  • Mets or exceeds maintenance of past due loans at .50% or below
  • Annual losses not to exceed .10% of loan portfolio

  WORKING CONDITIONS

  • Work is performed largely within the Bank with limited chance for personal injury.
  • Prolonged and frequent mental and visual concentration required.
  • Periodic stressful situations in response to multiple priorities within established deadlines.
  • Work hours are generally during normal business hours.
  • Unscheduled evening and weekend work will be needed to meet the needs of customers and employees.
  • Out-of-town and overnight business travel will be required.
  • Must be able to lift and move up to 20 pounds of office supplies and equipment.
  • Some bending, turning, and twisting required.

  GENERAL NOTICE

  This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability. This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.