Agricultural Loan Officer

Responsibilities

• Ensures the asset quality of the assigned agricultural loan portfolio.
• Reviews delinquency reports with direct supervisor to ensure proper collection efforts are utilized to manage portfolio risk.
• Maintains low loan delinquency and ensures there are no administrative past due loans.
• Communicate timely and comprehensively with supervisor regarding any credit experiencing stress.
• Manages and grows an assigned portfolio of agricultural and commercial loans and deposit relationships.
• Develops and maintains customer relationships while building confidence in the Bank and its products and services.
• Builds and maintains strong relationships with farmers, producers, agribusiness owners, and agricultural industry partners.
• Conducts farm and business visits to evaluate operations, production practices, management capabilities, collateral conditions, and overall business performance.
• Solicits new lending opportunities and negotiates loan structures, rates, and terms in a competitive and price-sensitive environment.
• Cross-sells other Bank services, including deposit products, treasury management, insurance, and wealth management services.
• Analyzes customer credit requests, including balance sheets, income statements, cash flow projections, production histories, and collateral values to determine repayment capacity and creditworthiness.
• Prepares complete and accurate loan approval packages that identify key risks and mitigating factors associated with agricultural credit requests.
• Coincides with Credit Administration personnel as appropriate.
• Makes recommendations on new and renewal loan requests within established lending authority and presents larger credits for approval through appropriate channels.
• Maintains knowledge of agricultural economic conditions, commodity markets, production trends, government programs, and industry developments that may impact customers and portfolio performance.
• Participates in community activities, agricultural organizations, trade associations, and local events to promote the Bank and strengthen customer relationships.
• Completes required training associated with job function.
• Performs related duties as assigned.

Qualifications

• Bachelor’s degree in Agriculture Business, Finance, Business Administration, Economics, or related field preferred.
• Equivalent combination of education and experience may be considered.
• Prior agricultural lending, commercial lending, credit analysis, farm management, agribusiness, or related agricultural experience preferred.

Skills

• Working knowledge of agricultural production, farm financial statements, agricultural lending concepts, and rural business operations.
• Knowledge of the Bank’s products and services.
• Strong analytical skills to evaluate agricultural credit requests and monitor portfolio performance considering commodity prices, weather impacts, interest rates, economic conditions, and other risk factors.
• Strong interpersonal and relationship management skills to effectively interact with customers, prospects, and community stakeholders.
• Ability to develop business relationships and generate new loan and deposit opportunities.
• Knowledge of internal policies, procedures, and applicable state and federal regulations governing lending activities.
• Strong written and verbal communication skills.

Total Rewards

• Competitive health, dental & vision coverage with HSA match
• 401(k) with employer match + Employee Stock Purchase Plan
• Generous PTO, paid holidays & parental leave
• Tuition reimbursement & performance-based bonuses