What are the responsibilities and job description for the Agricultural Banker position at Dacotah Banks?
Job Summary
Under the direction of the incumbent’s manager, responsible for origination, underwriting and closing secured and unsecured Agricultural loans in accordance with established lending objectives, policies and procedures; establish and maintain positive relationships with existing and potential agricultural customers and other financial institutions.
Preferred Minimum Loan Experience : 3 - 5 years' bank lending experience or equivalent education in loan transactions, procedures, and policies.
Essential Functions
- Perform full range of duties pertaining to the credit function, including, but not limited to agricultural loans and leases, in support of overall loan department objectives and in accordance with established lending policies and practices.
- Receive and screen loan applications; request credit status, banking and other references, conduct on-site inspections, order appraisals, etc.
- Correspond with or interview applicant or creditors to resolve questions regarding the application.
- Analyze applicant's financial status, credit and property evaluation to determine feasibility of granting loan request.
- Approve loan within specified limits.
- Refer larger loan requests to loan committee for approval.
- Communicate loan decision to applicants, including rationale for decisions, and assures necessary supporting documents are prepared.
- Review and evaluate customer applications for lines of credit or lines of credit extensions; authorize or recommend the approval of applications in accordance with established guidelines and policies.
- Direct and participate in the closing of approved Ag loan agreements; ensure that all required closing documents are prepared and processed.
- Monitor and review assigned ag loans on a regular and continuing basis; identify problem or delinquent loan accounts or those having an adverse impact on Bank profitability; initiate appropriate corrective actions on delinquent accounts on a timely basis;
- Complete criticized asset action plan form; refer problem accounts to superior as required or needed.
- Participate in the Bank's Lending Call Program to establish and maintain contacts with businesses, realtors, developers, and other potential loan customers and provide information regarding lending programs and services.
Other Functions
Education & Experience
customers and co-workers. Demonstrated ability to use tact, diplomacy, and professionalism when working with customers and co-workers.
We offer the opportunity for career growth and development in a professional and pleasant working environment. We offer a competitive salary and exceptional benefits package including :
Qualifications
Skills
Required
Oral and Written Communication
Advanced
Highly Organized
Advanced
Analytical
Advanced
Customer Service
Advanced
Business Ethics
Advanced
Ability to identify loan documents
Advanced
Maintain Confidentiality
Expert
Behaviors
Required
Loyal
Shows firm and constant support to a cause
Team Player
Works well as a member of a group
Dedicated
Devoted to a task or purpose with loyalty or integrity :
Motivations
Required
Self-Starter
Inspired to perform without outside help
Ability to Make an Impact
Inspired to perform well by the ability to contribute to the success of a project or the organization :
Education
Preferred
Bachelors or better in Ag Banking and Finance or related field.
Experience
Preferred
3-5 years :
Preferred minimum of 3 - 5 years' bank lending experience or equivalent education in loan transactions, procedures, and policies.
Licenses & Certifications
