Ag/Business Banker - Hinton

Peoples Bank • Hinton, IA

236d

About The Position

Reporting to the Location President, the Ag/Business Banker is responsible for developing new business, underwriting, structuring, and the closing of loans, as well as maintaining and servicing an existing portfolio. This position will be responsible for the collection of loans. Loan collections will include written notification and phone call support to make certain the bank's past due rate is within set guidelines. In addition, this position will be responsible for selling and participates in marketing all the bank's products and services. This will include making business development calls and cross-selling to customers that come into the bank for a loan. Represents the bank in the local community through active participation in community affairs.

Requirements

• Four-year degree in business administration or related experience.
• Three to five years of prior sales experience preferred.
• Skills needed in a typical office environment including communication skills and computer skills such as Word and Excel.
• Ability to understand all aspects of accounting and finance in a community bank environment.
• Registered MLO with responsibilities for generating real estate loans and handling mortgage inquiries.

Responsibilities

• Support the bank's strong relationship banking culture through ongoing customer contact, quality customer service, and superior product knowledge.
• Make referrals to the Investment, WMG, Real Estate and Insurance departments.
• Sell accident/health insurances.
• Source, develop and underwrite new construction, interim and permanent financing requests for new customers.
• Negotiate rates and terms of loans with customers and management within set guidelines.
• Maintain and expand an existing loan portfolio.
• Maximize bank profitability through appropriate pricing of new loan originations, fee income, and selling of all bank products & services.
• Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority within the bank as required.
• Actively work with delinquent loans to maintain the quality of the portfolio.
• Support the atmosphere within the location that attains and maintains a high level of morale and embraces our Vision, Mission, Values and Service Standards.
• Provide leadership for location specific promotions and initiatives.
• Assure that the properties and facilities are kept in accordance with bank standards for appearance, cleanliness, and safety.
• Active involvement in key community, banking and civic organizations and activities, as appropriate, to represent the bank in the community.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree