Ag Banker

Reliabank Dakota•Estelline, SD

About The Position

The Ag/Commercial Banker is responsible for developing and managing commercial, consumer, and agricultural banking relationships. This role includes originating and servicing loans, managing portfolio risk, and ensuring compliance with policies and regulations. The Ag/Commercial Banker drives portfolio growth and fosters long-term client relationships to support the bank’s business objectives.

Requirements

Bachelor's degree in Business, Finance, Accounting, or related field
Minimum of 1-3 years of experience in commercial lending, credit analysis, or business banking knowledge of credit principles, financial analysis, and commercial banking products
Excellent communication, negotiation, and relationship management skills
Proven ability to generate new business and build lasting client relationships
High attention to detail, organization, and follow-through
Ability to communicate well with customers and employees, both verbal and written.
Knowledge of lending regulations and policies.
Understanding compliance issues and regulations.
Profession demeanor and appearance.
Maintain the integrity of highly confidential customer and bank financial information.
Willingness to assume responsibility.

Responsibilities

Loan Origination & Portfolio Management Originate, monitor, and service commercial, consumer, and agricultural loans in accordance with bank policies and regulatory requirements.
Conduct applicant interviews, analyze financial data, evaluate collateral, and assess credit risk.
Make loan decisions within assigned authority or present recommendations to the Management Committee.
Conduct ongoing monitoring of loan performance, including financial analysis, collateral inspections, and client communication.
Maintain accurate and current loan files and documentation.
Business Development & Relationship Management Develop and maintain strong client relationships by identifying financial needs and providing tailored banking solutions.
Proactively source new lending opportunities and cross-sell bank products and services.
Solicit new deposit relationships to support portfolio growth.
Leverage market insights and financial expertise to assist clients in achieving business objectives.
Engage with local businesses and community organizations to promote the bank’s presence and services.
Risk Management, Compliance & Asset Quality Monitor asset quality within assigned portfolio and identify, report, and address problem credits.
Recommend and implement workout strategies, restructures, or guaranteed lending solutions as appropriate.
Manage and liquidate bank-owned properties when necessary.
Negotiate payment arrangements and oversee collections on delinquent loans.
Ensure all lending activities comply with regulatory requirements, internal policies, and audit standards.
Support a culture of compliance, integrity, and sound risk management.
Committee Participation & Community Involvement Actively participate in the Management Committee and other assigned committees.
Represent the bank at community events, volunteer activities, and professional functions to enhance the bank’s reputation and community presence.