Ag Banker II

Simmons Bank•Jackson, TN

About The Position

An Agricultural Banker acquires, grows, and retains agricultural loans within a dedicated geographic area and cross-sells the bank’s other business lines in community markets through a relational business development plan. Success is measured by net new loan and deposit growth, fee income, referrals to other lines of business, and portfolio management, including asset quality. The role involves advising agricultural prospects and customers on opportunities and risks, arranging commercial credit, evaluating financial information and creditworthiness, and managing the profitability and quality of commercial relationships. The banker may present recommendations to a loan committee and is responsible for monitoring repayments, collections, and credit or collateral deficiencies. The role also requires community involvement, compliance with applicable requirements, and contribution to individual, team, and bank-wide goals.

Requirements

Well-developed interpersonal and negotiating skills.
Excellent written and verbal communication skills.
Basic accounting, credit, and sales skills.
Detail-oriented and able to multitask.
Ability to read and interpret procedure manuals, business correspondence, journals, and/or government regulations.
Ability to read, analyze, and interpret financial reports and/or legal documents.
Ability to write routine reports and business correspondence.
Ability to present information effectively in one-on-one and small-group situations, and to groups of managers, clients, customers, the general public, and/or boards of directors; respond to questions.
Experience in the local market to understand the lending environment and potential customer base.
NMLS required.
Analytical ability to collect data and use experience and skills to make credit decisions.
Ability to speak clearly and persuasively, respond clearly to questions, and demonstrate presentation skills.
Ability to produce informative written material and edit work for spelling and grammar.

Nice To Haves

Bachelor’s degree in business, finance, or a related field, or relevant job experience.
Two to four years of agricultural lending experience with strong, developed sales skills.

Responsibilities

Build and retain customer relationships through relational selling and trusted-advisor guidance on bank products and services.
Establish and negotiate commercial credit terms, including cost, risk, profitability, repayment method and schedule, and collateral requirements.
Review and analyze financial information to assess customer creditworthiness.
Present credit recommendations to the loan committee when needed and demonstrate a thorough understanding of the credits presented.
Manage the profitability of commercial relationships in the portfolio.
Monitor loan repayments, past-due account collections, and credit and collateral deficiencies.
Follow loan policies and procedures and maintain complete, documented files for internal and external audits.
Communicate and negotiate consumer credit terms determined through underwriting, including costs, repayment method and schedule, and collateral requirements.
Participate in business organizations, community events, and/or nonprofit organizations to advance the bank’s reputation.
Meet individual goals and contribute to team and bank-wide goals; set and achieve goals without direct supervision and support a positive team environment.
Ensure departmental documents and activities comply with applicable laws, regulations, policies, and procedures, including completion of required compliance training.
Perform other duties and responsibilities as assigned.