Agricultural Loan Officer

PURPOSE:

Makes and services loans of any type directly or indirectly related to agriculture; may appraise farm properties as security for loans; keeps abreast of agricultural loan trends. An officer with three or more years’ experience who is capable of handling all but the most complex assignments and accounts; works under the general direction of a senior functional officer; may provide instructional guidance to junior officers.

ESSENTIAL DUTIES:

• Seek lending relationships with existing customers.
• Actively call on prospective borrowers.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Develop and analyze all types of credit information.
• Approve within delegated authority loan structures pricing and conditions on loan transactions.
• Combine agricultural and business knowledge with an in-depth understanding of each customer’s current financial position in order to provide innovative and workable alternatives to solve problems the customer faces in their ongoing farming operations.
• Ensure all files are maintained in a secure environment to protect borrowers’ data.
• Participate in training as scheduled by the supervisor.
• Evaluate the risk in loan transactions and assign a probability of default and loss given default.
• Manage and grow existing loan portfolios.
• Participate in community and industry events.
• Prepare credit analysis on assigned portfolio directly or through the use of a credit analyst.

Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES:

• Experience 3 or more years’ experience.
• Typically requires a Bachelor's degree or equivalent
• The ability to motivate or influence internal or external senior level professionals is a critical part of the job, requiring a significant level of influence and trust.
• Obtaining cooperation and agreement on important outcomes via frequently complex, senior level dialogues, as well as a professional level of written communication skills are essential to the position.
• Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
• Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics.
• Must be able to speak clearly and deliver information in a logical and understandable sequence.
• Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public.
• Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace.
• Must be able to effectively handle multiple, simultaneous, and changing priorities.
• Must be capable of exercising highest level of discretion on both internal and external confidential matters.