Commercial & Agricultural Loan Officer

Job Description

United Bank & Trust, a full-service community bank in Marshalltown, is seeking a lender to join our team! If you are an experienced commercial/ag lender or credit analyst, then this might be just the opportunity you're looking for! Duties of the position include:

• Generating new business and profitable loan growth through effective, proactive calling efforts on existing and potential clients, including presenting banking proposals to prospects.
• Building strong relationships with employees, existing customers, and centers of influence to facilitate referral opportunities.
• Networking, developing partnerships, and actively participating in community organizations and activities (often in leadership roles) acting to enhance the image of the organization.
• Originating, underwriting, and closing new and renewed commercial/ag loans.
• Managing existing loan portfolio to retain high credit quality and compliance with all laws and regulations relating to the lending function and internal loan policy.
• Maintaining knowledge of commercial lending, agriculture lending, retail banking and wealth management products and services to enhance presentation to existing clients and prospects during cross-sell efforts.
• Assuring the consistent delivery of customer service to maximize customer satisfaction and retention.
• Identifying customers’ needs through effective listening skills, asking clarifying questions, and communicating opportunities to the customer, referring to other lines of business as appropriate.
• Representing the bank and promote a positive image through active community involvement.
• Cultivating a culture that supports our core values of Excellence, Integrity, Ownership, and Community.
  
  

Requirements

• Bachelor’s degree in business administration, finance, or related field.
• A minimum of 3 years of previous commercial or agricultural lending experience, preferred.
• Prior experience with SBA lending is advantageous but not required.
• Prior experience with Moody’s is advantageous but not required.
• Prior experience with FSA lending is advantageous but not required.
  
  

Knowledge, Skills & Abilities

• Excellent interpersonal communication skills with focus on relationship building.
• Strong computer literacy, with knowledge of computer software (i.e. Microsoft Windows Operating System and Office applications).
• Well organized, accurate and detail oriented.
• Knowledge of lending regulations, compliance, and procedures.
• Ability to work under pressure and multi-task.
• Ability to work independently or in team environment.
• Strong reading, writing, and basic mathematical skills.
• Excellent customer service and interpersonal skills.
• Ability to resolve challenging customer situations.
  
  

Our company is an equal opportunity employer. Employment here is based solely upon an individual's merit and qualifications directly related to the position. We do not discriminate on the basis of age, race, creed, color, sex, sexual orientation, gender identity, national origin, religion, disability, veteran status, or any other characteristics protected by law.

Regular hours Monday through Friday, 8am-5pm. Saturday morning rotation (once every 5-6 weeks)

May occasionally include hours outside of regular work hours to attend networking events, community events, or client meetings.