Ag/ Commercial Lender

Ag/Commercial Lender

Job highlights

Qualifications and Bank Summary

American State Bank, a leader in our local market and charted out of Osceola, Iowa, is seeking an experienced Ag/Commercial Lender to join their team. This is an exciting opportunity for a banking professional with a strong background in both agricultural and commercial lending to play a key role in supporting the financial needs of the community. The position results from a continued expansion of the loan portfolio and succession planning. The ideal candidate will have 5 years of experience in both agricultural and commercial lending. Strong understanding of credit analysis and loan structuring! This is a great opportunity to be part of a well-respected community bank with a strong presence in the market; collaborate with a supportive and experienced team dedicated to providing exceptional service, and an opportunity to grow professionally and make a meaningful impact in the community. If you are wanting to be part of a high-performing bank who values community, employees, and customers while striving to hire the right people to do the right things the right way, contact Jorge Avalos, CFO and Personnel Officer at (641) 342-2175 or email javalos@americanstatebank.com

Job description

Ag / Commercial Lender – location, Osceola, Iowa

Reports directly to the Chief Credit Officer and serves primarily as lending officer in the Osceola office with primary duties in Ag and commercial lending. Collects information, analyzes, recommends, and approves loans within delegated authority. Emphasis in developing and servicing high quality commercial and agricultural loan accounts that meet established loan policy which provide maximum profitability to the bank with minimal risk of loss. Responsible for reviewing existing portfolio for document exceptions and correcting them. Understands and implements bank loan policy and procedures. Promotes and establishes deposit relationships. Interacts in a positive way with other bank personnel. Responsible for following the bank call program and becoming an active volunteer and business leader in Osceola, Clarke County and surrounding communities. Serves on other bank committees and/or committees as appointed by President/CEO. Works with the bank’s Chief Credit Officer to manage loan portfolio to continued high performance banking standards.

This job requires connecting with people quickly in an outgoing, friendly manner. The use of persuasive communication skills to gain the interest and involvement of others in the work process is an important aspect of the job.

A sense of getting work done in complete, accurate detail and in accordance with company standards and policies is desired. The motivation for this position comes from a strong sense of duty and a feeling of responsibility for completing work both quickly and correctly.

Follow-up of delegated work must be very thorough. Decision making will be done with the ideas and advice of others, but always carefully and cautiously within the guidelines of established company policy.

· Environment that changes but guidelines and support will be provided for tasks outside of specific job area.

· Multiple projects going simultaneously

· Very socially focused; requires “how can I help you?” attitude.

· Emphasis is on cultivating personal relationships.

· Adherence to established guidelines and procedures is important being careful to avoid mistakes.

· Ability to adapt quickly to Bank culture and core values.

· It is important to involve others in decision-making when appropriate as well as make decisions on their own within delegated authority. Decisions can be made with input from others.

· Open, flowing communication is important.

· Position requires working with and through others, especially in a helping role.

· There is a need for persuasive, “selling” (rather than telling) communication style.

· Team environment: leaders must be willing to jump in and roll up their sleeves to help when necessary but delegate when appropriate with thorough pleasant follow-up.

· Will be a friendly and responsive team leader with a strong sense of duty.

· Need someone who leads by example with strong, friendly follow-up necessary on tasks delegated to ensure proper results.

· Personal involvement with detail is a major focus of the job.

1. Interviews loan applicants and collects and analyzes financial and related data to determine the credit worthiness of the applicant within Bank policy.

2. Completes all loan documentation required within Bank policy including but not limited to cash flow analysis, profit analysis, risk analysis, inspections, and collateral analysis.

3. Negotiates and/or recommends the necessary terms under which credit will be extended including price, repayment plan, and collateral requirements within delegated authority.

4. Services existing portfolio of approximately $30 million in diversified loans and ensure any document exceptions are corrected.

5. Member of Officers Loan Committee.

6. Monitors loan repayment activity and takes necessary action to collect non-performing accounts on individual and branch loan(s).

7. Types own loan documentation and correspondence as necessary and has necessary computer skills or develops them to perform misc. job duties, including but not limited to ARTA processing, Microsoft Word and Excel, and Fiserv Premier.

8. Develops high quality new business opportunities by contacting prospective and current customers through the bank call program. Cross-sells bank products and participates in agreed upon incentive program.

9. Interacts with administrative leadership staff in a positive, helpful manner.

10. Works with Chief Credit Officer to perform branch loan reviews and oversight.

11. Assists other loan officers in all locations in credit analyst loan preparation as assigned.

12. Assist in carrying out the bank’s operating plan to meet performance goals and objectives.

13. Performs any Bank related duties as needed and directed by management.

14. Represent the Bank at professional, community, and social activities.

15. Carries out the strategic plans of the bank as directed by the President/CEO.

Type: Full-time

Benefits:

· 401(k)

· Dental insurance

· Health insurance

· Fitness membership, clothing allowance, golf membership

· Vacation, Sick Leave, Wellness Leave, Flex Schedule

· Bonus opportunity range 10% to 30% of base salary

Ability to Relocate to the Osceola trade area with work location in person at Osceola, Iowa.

American State Bank is an Equal Opportunity Employer. Member FDIC

Job Type: Full-time

Pay: $75,000.00 - $150,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Paid time off
• Parental leave
• Vision insurance

Schedule:

• 8 hour shift

Ability to Commute:

• Osceola, IA 50213 (Preferred)

Ability to Relocate:

• Osceola, IA 50213: Relocate before starting work (Preferred)

Work Location: In person

Salary : $75,000 - $150,000