Ag Banker

First Western Bank & Trust is searching for an on-site Ag Banker at our community bank in Bismarck, ND.

Pay is based on several factors which vary according to position. Factors may include: educational and professional background, work experience, and overall qualifications. First Western Bank & Trust cares about and invests in our employees. We offer eligible employees and their dependents comprehensive health benefits and programs, which may include insurance for medical, vision, dental, and more, to help you take care of yourself and your family. Other benefits for eligible employees include 401k with company match, company contribution to Health Savings Account, banking benefits, short-term disability, life and long-term disability, bonding leave, holidays, sick leave, and vacation.

Bonus: This position may also be eligible to participate in an annual bonus program. A bonus award, if any, depends on various factors including individual and organizational performance.

Ag Banker Position Overview

• Conduct sales calls and meet with prospective and existing customers to establish new loan business
• Represent the bank in local community and at agriculture meetings and events to market the bank’s products, services, and expertise
• Administer individual loan portfolio including agriculture, agri-business, and other assigned loans
• Manage all new loan relationships and assigned relationships
• Service all performing and non-performing loans within individual loan portfolio
• Interview loan customers to determine lending needs
• Work with the Farm Service Agency, Small Business Administration, and Bank of North Dakota to qualify customers for available lending programs
• Negotiate direct lending terms as well as collateral and payment structures
• Meet with customers to request information for loan applications, credit reports, background checks, and other information needed for loan evaluation
• Compile financial information including income tax records, balance sheets, annual cash flow budgets, and other data to create loan spreads
• Analyze applicant financial status and conduct collateral evaluations to make lending decisions
• Approve credits up to authorized lending limit and prepare those that exceed limits for loan committee and/or Board approval

Ag Banker Qualifications

• Five years’ experience in bank lending, loan review, compliance, or finance
• Strong understanding of financial statements and credit standards
• Knowledge of agriculture industry preferred
• Excellent oral and written communications skills
• Demonstrate professionalism in working with the public and all levels of management
• Ability to define problems, facts and draw valid conclusions
• Strong analytical, problem solving, and decision-making skills

First Western Bank & Trust is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, age, disability, genetic information, marital status, or veteran status.