What are the responsibilities and job description for the Ag/Commercial Banker position at Reliabank Dakota?

Job Description

Description :

POSITION SUMMARY : Responsible for origination, analysis and servicing a variety of commercial / consumer / ag loans to clients. Makes decisions on loans and extends credit within established lending limits and according to loan policies, or recommends loan approval to the Management Committee. Works with client to develop new business by increasing banking relationships and retaining existing business. Participates in business development activities.

PRIMARY ACCOUNTABILITIES AND RESPONSIBILITIES :

ACCOUNTABILITY 1 : Loan Services

Originate, Monitor and Service Various Types of Loans
Originates all types of loans as authorized by bank policies and procedures. Interviews applicants to develop background information concerning their experience, needs, desires, abilities and earnings. Evaluates financial data to determine credit worthiness and loan risk. Reviews business property appraisals when used as security. Analyzes applicant’s financial status credit to determine feasibility of granting loans. Makes credit decision on loan within personal lending limits or recommends and presents loan to Management Committee for approval. Negotiates credit terms with borrower. Disburses funds as necessary.
Inspects commercial operations and makes on-site visits to monitor collateral, update projections and appraise borrower’s management ability. Performs on-going financial analysis and reviews operating statements. Reviews and updates credit and review files.

ACCOUNTABILITY 2 : Business Development

Establishes and maintains favorable customer relations and effectively cross-sells Reliabank services through needs identification to ensure the most positive and profitable relationship exists between Reliabank and its customers.

Solicits large deposit prospects, establishes an investment practice.

Utilizes current and forecasted financial trends, market information and other resources to work with internal and external customers to support business design and expansion.

Develops institutional relationships to position Reliabank, for example, as the bank of choice for students graduating from local post-secondary institutions.

ACCOUNTABILITY 3 : Risk Management

Asset Quality and Collections

Identifies problem credits in those loans being personally managed and reports them to the Management Committee. Meets individual and bank goals of asset quality to include classifieds, non-accrual, past due, technical exceptions and charged-off loans. Recommends and implements workouts, restructuring, SBA or FSA guarantees, etc.

Manages and liquidates commercial and agricultural properties held by the bank as directed by the loan policy and the Management Committee. Negotiates payment arrangements with customers who have delinquent loans.

ACCOUNTABILITY 4 : Committee Functions

Participate in Various Committees Activities

Participates on the Management Committee and other various committees as directed by Management.

Works event-assigned and volunteer activities including representing the bank to public, industry and government in such a manner as to enhance the reputation of the bank.

ACCOUNTABILITY 5 : Regulatory and Compliance

Has thorough knowledge and understanding of regulatory and compliance issues related to the lending and other departments of the bank. Includes ability to ascertain that procedures and policies are in accordance with such regulations.

SECONDARY DUTIES AND RESPONSIBILITIES : 5%

As assigned

Requirements :

EDUCATION, EXPERIENCE AND OTHER REQUIREMENTS

Bachelor’s degree from four-year college or university in business or equivalent experience / knowledge.

4-6 years general bank experience with supervision responsibilities desired.

SKILLS, ABILITIES AND COMPETENCIES :

Organization, analytical and problem-solving skills.

Attention to detail.

Ability to deal with customers and employees with tack, diplomacy and confidentiality.

Ability to successfully manage a loan portfolio

Business development / sales skills

Maintain the integrity of highly confidential customer and bank financial information

Monitor compliance to ensure that the processing and handling of information is done in manner that adheres to FDIC regulation and consumer protection issues.

This position description describes the general nature and level of work performed by the individual assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.

This position description does not constitute an employment agreement between the employer and employee and is subject to change by the employer as the needs of the employer and requirements of the position change.

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