VP-Ag Loan Officer

Responsibilities

• Demonstrate excellent written and verbal communication skills.
• Possess knowledge of regulations governing all lending practices.
• Recognize consumer 1-4 family applications and refer them to a consumer Loan Officer as appropriate.
• Innovative outlook to drive continual progress and retention.
• Process Ag loan transactions and aid with transaction inquires.
• Aid with consumer loan transactions and aid with transaction inquires.
• Analyze financial statements, cash flows, pay records and tax returns.
• Present credits and loans for approval to appropriate authority, as required.
• Be able to manage multiple concurrent projects.
• Be proactive in obtaining new Ag loan customers for the bank.
• Take Ag applications and approve or reject loan requests in accordance with loan policies and procedures.
• Obtain and maintain a working knowledge of regulatory requirements as they relate to safety and soundness, compliance, and operations.
• Develop referral networks, suggest alternate channels, and cross-sell products and services to accomplish the Bank’s goals.
• Possess strong prioritization and organizational skills.
• Possess an understanding of general business and financial issues.
• Be a self-starter and possess the ability to work both independently and in a group setting.
• Possess strong interpersonal skills and the ability to establish and maintain good relations with co-workers and other bank personnel.
• Absorb and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank’s policies and procedures.

Requirements

• Education and Experience: Required – High School diploma or GED, Etc.
• Required – Continuing Education to maintain job knowledge.
• Required – Three to five years of banking experience.
• Preferred – Three to five years of customer service experience.
• Preferred – Proficiency in Microsoft Suites.

Core Values

• Humility - We are “blue-collar bankers”. We are relatable, down-to-earth people who greet our smallest customer the same way we greet our largest.
• Respectful, Genuine Care for Others - We care about each other, we care about our customers, and we care about our communities.
• Finds A Way - This simply put, is nothing more than attitude. It’s a can-do spirit, a desire to help, to contribute, to go above and beyond, and to make a difference.
• Effort - We expect a lot of ourselves and hold ourselves to a high standard. We are not entitled, and we need to earn it from our customers and each other every day.
• Owning-It - Owning-It or Accountability is a big word that can encompass a great many things. For Citizens Alliance Bank, it’s about ownership. When an employee says they will do something, they follow through and get it done.