Agricultural Field Representative

About the role

The Agricultural Field Representative is responsible for conducting on-site inspections and preparing written analysis of machinery, equipment, and livestock held as collateral for agricultural credits. He or she gathers and analyzes necessary data to determine a fair appraisal value for loan purposes and helps develop appraisal policies and procedures that are legally compliant and support the objectives of the Bank.

Responsibilities

• Reviews files for assigned agricultural inspection requests, ensuring that necessary documentation is enclosed including valuations, equipment lists, etc.
• Organizes inspection assignments in order to minimize driving time
• Conducts on-site inspections of designated credits and gathers all relevant facts; examines livestock, machinery, equipment, property, and buildings; determines the present condition of such and makes accurate valuation assessments; and consults a specialist as necessary
• Captures, inspects, verifies, analyzes, and reconciles comparable data available to indicate the market value of the agricultural collateral
• Prepares and submits periodic reports to branch management during the quarterly meetings regarding agricultural trends, economic conditions, and future potential regarding agricultural loans
• Photographs items to assist in estimating value, substantiating findings, and completing appraisal report
• Prepares written inspection reports
• Captures, verifies, and analyzes comparable cost and valuation data for the maintenance of data that is reflective of the relevant market prices
• Conducts surveys regarding current market conditions for department files
• Uses all relevant market analyses to assist in the development of appropriate agricultural inspection policies and procedures
• Ensures that requests, questions, and problems are courteously and professionally resolved
• Ensures that communications are efficient and effective
• Delivers inspection service in a prompt, accurate, and legal manner
• Affords assistance to other employees and officers as necessary
• Maintains and develops good relations with agricultural and commercial loan officers in the Bank and offers information and assistance when necessary
• Refers qualified prospective clients to appropriate relationship officers for their review and solicitation
• Completes required reports and records accurately and promptly
• Maintains current knowledge of crop, cattle, and dairy valuations and real estate used for agricultural purposes in order to ensure accurate valuations
• Affords assistance to other area personnel as required
• Keeps management informed of area activities and any significant problems or concerns
• Attends and participates in meetings and committees as required
• Completes special projects as assigned
• Attends assigned training sessions and stays current on new procedures and policies
• Promotes D.L. Evans Bank at all times and serves as a representative in the community

Qualifications

• High school diploma or GED required; Bachelor's degree in related field preferred
• Five to eight years years of experience in an agricultural related field that includes experience with cattle including cow/calf and feeder operations, dairy, and row crop
• Understanding of valuation techniques for agricultural related commodities and of related market information
• Knowledge of Bank lending and collections programs, policies, and procedures required
• Strong interviewing skills
• Excellent written and verbal communication skills
• Strong analytical skills
• Able to use financial calculator and related computer applications and business machines

Skills

• Strong analytical skills
• Strong interviewing skills
• Excellent written and verbal communication skills

Benefits

• Medical Insurance
• Dental Insurance
• Vision Insurance
• FSA
• 401(k)
• Employee Stock Ownership Plan
• Paid Vacation
• Sick Time
• Life Insurance
• Long-term Disability Insurance