Agricultural Banker

Under the direction of the manager, responsible for origination, underwriting, and closing secured and unsecured Agricultural loans in accordance with established lending objectives, policies, and procedures. Establish and maintain positive relationships with existing and potential agricultural customers and other financial institutions.

Responsibilities

• Perform a full range of duties pertaining to the credit function, including agricultural loans and leases, in support of overall loan department objectives and in accordance with established lending policies and practices.
• Receive and screen loan applications; request credit status, banking, and other references; conduct on-site inspections; order appraisals.
• Correspond with or interview applicants or creditors to resolve questions regarding applications.
• Analyze applicant's financial status, credit, and property evaluation to determine feasibility of granting loan requests.
• Approve loans within specified limits; refer larger loan requests to the loan committee for approval.
• Communicate loan decisions to applicants, including rationale, and ensure necessary supporting documents are prepared.
• Review and evaluate customer applications for lines of credit or line of credit extensions; authorize or recommend approval in accordance with established guidelines.
• Direct and participate in the closing of approved Ag loan agreements; ensure all required closing documents are prepared and processed.
• Monitor and review assigned ag loans on a regular basis; identify problem or delinquent loan accounts or those adversely impacting Bank profitability; initiate corrective actions on delinquent accounts.
• Complete criticized asset action plan forms; refer problem accounts to superior as needed.
• Participate in the Bank's Lending Call Program to establish and maintain contacts with businesses, realtors, developers, and other potential loan customers; provide information regarding lending programs and services.
• Keep abreast of new developments and trends in the ag loan market; identify potential lending opportunities and participate in developing plans to respond to these opportunities.
• Participate in establishing lending goals and profitability objectives; develop and implement policies and procedures to achieve these goals; recommend new policies or revisions as necessary.
• Provide assistance to co-workers with difficult internal problems or customer inquiries.
• Ensure prompt and courteous response to customer inquiries.
• Assist in developing manuals and supporting documentation for tasks/duties inherent in this position.
• Maintain education and professional expertise through attendance at job-related seminars, conferences, and workshops; engage in professional, civic, and community groups in leadership positions.
• Perform other duties as assigned.
• Utilize government programs when necessary to meet customers' credit needs.

Requirements

• Bachelor's degree in agribusiness, ag lending, banking/financial services, or similar field preferred.
• 1-3 years of experience in agricultural lending or related field.
• Knowledge, skill, and mental development equivalent to completion of a college education with specific courses in Ag lending, agri-business, and communications.
• Good verbal communication skills for interacting with customers and co-workers both face-to-face and over the telephone.
• Demonstrated ability to use tact, diplomacy, and maintain a professional personal appearance.
• Analytical (statistical), organizational, time management, and problem-solving abilities.
• Good written communication, proofreading, and editing skills.

Benefits

• Health Insurance: Dacotah Bank pays 100% of the premium for family and individual coverage.
• Dental Insurance: Dacotah Bank pays 100% of the premium for family and individual coverage.
• Health Savings Account.
• Life Insurance for the employee and family.
• Paid Vacation and Sick Time.
• Retirement Plan Options.

Pay

$58,000.00 - $81,000.00 annually.

Schedule

• Full-time, on-site.
• First shift (Day).

Public transportation accessible. Veterans encouraged to apply.