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.
• 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.

Qualifications

• Education/Experience: 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