TITLE: Ag/Commercial Loan Officer

DEPARTMENT: Loan

REPORTS TO: Market President

JOB SUMMARY: The Commercial/Ag Loan Officer will be responsible for generating new business, managing a portfolio of commercial and agricultural loans and ensuring compliance with lending policies and regulations.

MAJOR RESPONSIBILITIES:

· Develop and maintain relationships with new and existing Commercial and Agricultural customers to understand their financial needs and objectives.

· Communicate with customers to explain loan products, terms and conditions.

· Analyze financial statements, credit reports and other relevant information to assess the creditworthiness of loan applicants.

· Structure and present loan proposals to the Loan Committee for approval.

· Negotiate loan terms and conditions with customers, ensuring alignment with company policies and Risk Management.

· Monitor the performance of the loan portfolio, identify and address any potential risks or delinquencies.

· Stay informed about market trends, industry developments and competitor offerings to identify new business opportunities.

· Develop new business by calling on existing and potential customers. Cross-selling Bank services as appropriate.

· Additional duties may be assigned from time to time which are deemed to be within the employee's capabilities.

Community Involvement & Collaboration

• Represent the Bank positively within the local community through participation in branch-level events and activities.
• Support community outreach efforts and reinforce the Bank’s commitment to local relationships.

PREFERRED SKILLS:

· Ability to exercise sound judgment and to observe the highest degree of confidentiality in the handling of information.

· Strong understanding of Commercial and Ag lending products, credit analysis and risk assessment.

· Excellent interpersonal and communication skills, with the ability to build and maintain strong customer relationships.

· Thorough understanding of Bank products and services.

· Professional demeanor in appearance, interpersonal relations, work ethic and attitude.

· Ability to adhere to Bank policies and procedures.

QUALIFICATIONS:

· Bachelor’s degree in a business field of study.

· 3 – 7 years experience in commercial and or agricultural lending.

PHYSICAL REQUIREMENTS:

· Ability to sit for extended periods of time.

· Occasional lifting of files or materials up to 20 lbs.

· Ability to review detailed documentation on computer screens.

Job Type: Full-time

Benefits:

• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Referral program
• Vision insurance

Compensation Package:

• Bonus opportunities

Work Location: In person