AG/COMMERCIAL LOAN OFFICER

Position General Responsibilities:

Process and approve commercial, agriculture and some consumer loan requests. Inspection &

verification of collateral and evaluation of operations through field inspections. Development of new business by expanding existing relationships and calling on potential customers.  Cross sell Bank products. Represent the Bank in community activities.

Education, Experience and Certification Requirements

Note:  Only minimum responsibilities are listed.  Other responsibilities may be required as requested by management.

Basic Qualifications:

1. Strong commitment to providing exceptional customer service.
2. Bachelor’s degree in business, finance, agricultural business, or equivalent education/work experience.
3. A minimum of 5 years previous commercial or agriculture lending experience.
4. Strong knowledge of analyzing credit requests, collateral analysis, proper structuring and pricing of loans and collections. 
5. Working knowledge of Word, Excel and Access.
6. Proven ability for business development.
7. Ability to work independently and as a team member.
8. Demonstrated ability to provide information in concise verbal and written formats.

Preferred:

1. 7-10 years previous commercial or agriculture lending experience.

Dimension of Job:

This position will be responsible for analyzing, processing and servicing existing and future commercial, agriculture and some consumer loans. This professional will work within the community to expand business relationships with existing customers and develop new business referral sources through a strong community involvement.

Position Specific Responsibilities, Duties and Competencies

1.  Commercial and Agriculture Loan Functions:

1. Ability to analyze credit requests and be able to make sound credit decisions in a timely manner.
2. Detailed knowledge of commercial, ag, consumer, residential (secondary market), student loan, and credit card loan programs.  Adhere to bank policies & procedures.
3. Servicing of commercial, ag, consumer, residential, and credit card customers.
4. Collection of past due accounts; mgmt of OREO etc:
5. Keep informed of SBA, FMHA, and MBOI loan programs.
6. Ability to properly structure and price loan relationships
7. Jointly responsible w/other officers to train all junior lenders and loan processors.
8. Perform field and /or business inspections of existing and potential loan customers to verify the adequacy of collateral securing the credit as well as to evaluate the general management and condition of the operation.

2.  Non-Credit Product Functions:

1. Cross-selling of other Bank products to existing and prospective customers including Stockman Investment Services, Crop Insurance, credit cards, deferred payment contracts and other fee income services.