Ag Banker

First Western Bank & Trust•Sioux Falls, SD

3d•Onsite

About The Position

Founded in 1964, First Western Bank is built on a solid foundation of values and principles established by Jack Hoeven — values that continue to guide us today. We take pride in investing in and giving back to the communities we serve. We treat everyone with respect, set high standards of excellence, and remain dedicated to our customers. With unwavering integrity, we maintain a culture of honesty, transparency, reliability, and trust.

Requirements

Five years’ experience in bank lending, loan review, compliance, or finance.
Strong understanding of financial statements and credit standards.
Skilled in Microsoft Office (Publisher, Power Point, Word, Excel, Outlook), and social media platforms.

Nice To Haves

Knowledge of agriculture industry preferred.

Responsibilities

Develop new agricultural loan business through securing, structuring, and closing loans, as well as maintain and service existing Ag lending portfolio.
Conduct sales calls and meet with prospective and existing customers to establish new loan business.
Represent the bank in local community and at agriculture meetings and events to market the bank’s products, services, and expertise.
Administer individual loan portfolio including agriculture, agri-business, and other assigned loans.
Manage all new loan relationships and assigned relationships.
Service all performing and non-performing loans within individual loan portfolio.
Interview loan customers to determine lending needs.
Work with the Farm Service Agency, Small Business Administration, and Bank of North Dakota to qualify customers for available lending programs.
Negotiate direct lending terms as well as collateral and payment structures.
Meet with customers to request information for loan applications, credit reports, background checks, and other information needed for loan evaluation.
Compile financial information including income tax records, balance sheets, annual cash flow budgets, and other data to create loan spreads.
Analyze applicant financial status and conduct collateral evaluations to make lending decisions.
Approve credits up to authorized lending limit and prepare those that exceed limits for loan committee and/or Board approval.