Ag Banker II

Simmons Bank•College Station, TX

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 relational business development. Success is measured by net new loan and deposit growth, fee income, referrals to other business lines, and portfolio management, including asset quality. The role builds customer and prospect relationships as a trusted advisor, evaluates and negotiates commercial and consumer credit terms, reviews financial information, and manages the profitability and quality of commercial relationships in the portfolio. The banker follows loan policies and applicable compliance requirements, participates in community organizations and events, and contributes 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, with the ability 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 settings to customers, clients, and coworkers.
Ability to present information to groups of managers, clients, customers, the general public, and/or boards of directors, and respond to questions.
Experience in the local market is required to understand the lending environment and potential customer base.
NMLS registration is required.

Nice To Haves

A 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.
Proficiency with lending computer software Agri.

Responsibilities

Build relationships with prospects and customers through relational selling, advising them about opportunities and risks and helping them meet their goals using the bank’s products and services.
Establish and negotiate commercial credit terms, including cost, risk, profitability, method, schedule, and collateral requirements.
Review and analyze financial information to determine customer creditworthiness.
Present recommendations to the loan committee when appropriate and demonstrate a strong understanding of the credits presented.
Manage the profitability of commercial relationships in the portfolio.
Monitor loan repayments, collection of past-due accounts, and credit or 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; work toward challenging goals without direct supervision and support a positive team spirit.
Perform departmental activities and documentation in compliance with applicable laws, regulations, policies, and procedures, including completing required compliance training.
Perform other duties and responsibilities as assigned.