Agribusiness Loan Officer

About the role

Seeking a team oriented, positive and outgoing professional for the Agribusiness Loan Officer Lending role at Columbus Bank and Trust. Full Time, Salary, Mon-Sat.

About Us

Columbus Bank and Trust Company is a locally owned, hometown bank that originally opened its doors on February 2, 1935 and has remained in local ownership for over 80 years. The original owners were R.V. Prokop, J.H. Moeller, and W.E. Barkley. The Bradley Family took ownership in 1938 and retained ownership until July of 2013 when a local group of investors purchased the bank appointing Jeff Johnson as President and Chairman of the Board. The Bank has grown substantially in many ways over the past few years. In 2004, the East Highway 30 location was opened, and since then several renovations to the downtown building have also occurred. Through this growth we have never lost focus of our customers and the community we serve. Our staff is very active in many civic, church and other local organizations, giving of themselves to keep our community strong. Throughout the years Columbus Bank and Trust Company has remained “Customer Focused, Community Minded and LOCALLY Owned.”

Our Mission Statement: To be the locally owned, hometown bank, providing a wide range of exceptional financial services that meet the needs of our customers through our dedicated, knowledgeable and courteous employees.

Responsibilities

• Act as a relationship manager to deliver advice and value for business customers.
• Enable business customer growth and retention in line with credit and risk strategies.
• Connect business customers with appropriate products including commercial deposit accounts, business planning, treasury services, and credit accounts.
• Help customers be successful by understanding customer needs and matching with Columbus Bank solutions.
• Proper use of Director and Navigator tools.
• Adopt a sales calling mindset to acquire new customers.
• Collaborate respectfully with other roles and processes.
• Manage portfolio relationships matching skills, knowledge, and experience to customer needs in assigned geography.
• Deliver an Uncommon Understanding for customers by providing advice and value based on financial needs and goals.
• Spend 20% time acquiring new business, 40% growing existing business, and 40% servicing existing business.
• Be accountable for managing a portfolio of 50 relationships averaging $50M in loans and $50M in deposits.
• Build a portfolio of business customers by delivering advice and value.
• Build centers of influence (attorneys, accountants, and other referral sources).
• Guide, direct, and facilitate solutions across all product specialties of the bank for business customers.
• Participate and be involved as an active community member.
• Identify new business customer opportunities and solutions aligned to customer needs.
• Oversee portfolio quality focused on growth and retention in line with credit risk.
• Facilitate product partners and support teams based on customer needs.
• Negotiate terms and options with customer.
• Qualify and document opportunities.
• Set expectations with customer regarding timeline and product document requirements.
• Leverage technology and tools consistently for data quality.
• Use sales and prospecting tools and processes effectively.
• Partner with other employees to optimize referral opportunities to meet the needs of the business customer.
• Understand and comply with bank policy, laws, regulations, and the bank's BSA/AML Program.
• Complete compliance training and adhere to internal procedures and controls.
• Report any known violations of compliance policy, laws, or regulations.
• Report any suspicious customer and/or account activity.
• Exhibit professional behavior and promote positive working relationships at all times.
• Maintain regular and predictable attendance.

Requirements

• Bachelor’s Degree and/or 5+ years of successful commercial lending relationship management experience.
• Ability to build and grow a diverse portfolio of business products with growing entrepreneurial businesses.
• Customer-focused thinker with strong customer and people relationship skills.
• Proficient credit analysis knowledge and skills.
• Proven experience prioritizing and handling multiple customer relationships at the same time.

Benefits

• Competitive Pay
• Paid time off and paid holidays
• Medical, Dental, Vision, Life, Disability, SEP, Bonus
• Career development, Training, Career coaching, Job shadowing
• Employee banking benefits and other discounts