Ag Business Banker

American Bank & Trust•Lisbon, ND

7d•Onsite

About The Position

The Ag Business Banker is responsible for maintaining a portfolio of existing customers, maximizing relationships to build customer satisfaction and confidence in the Bank. This role involves gathering and overseeing the compilation of all needed information for loan applications, working with Credit Administration to request necessary documentation, and negotiating agreements and terms with applicants. The Ag Business Banker is actively involved in business development, staying informed of market trends, and cross-selling key products and services. A key aspect of this role is maintaining the asset quality of the loan portfolio and communicating regularly with management regarding community activities and operational/lending issues. The position also involves referring and presenting credit proposals, ensuring loan agreements are accurate, and managing timely loan closing and funding. Networking with third-party associates and potential clients through various professional and community activities is also a significant part of the role.

Requirements

Bachelor’s degree in Business, Finance or Accounting, or equivalent combination of education and experience
A minimum of 2 to 5 years commercial and agricultural lending and credit analysis experience within a financial institution environment preferred.
Business development/sales skills
Strong communication skills, both written and verbal
Knowledge of lending regulations and policies
Ability to interact with customers and employees with tact, diplomacy and confidentiality
Resourceful, innovative and well organized
Ability to assess problems and/or unusual situations and develop logical solutions
Strong ethical focus
Negotiation skills

Nice To Haves

Commercial and agricultural lending and credit analysis experience within a financial institution environment

Responsibilities

Maintains a portfolio of existing customers and maximizes relationships to build customer satisfaction and confidence in the Bank.
Gathers and oversees compilation of all needed information for loan application.
Works in tandem with Credit Administration to request appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to evaluation of loan application.
Corresponds with or interviews applicant or creditors to resolve questions and negotiate agreements/terms.
Actively involved in business development, while keeping informed of trends that may impact the bank, including legal, regulatory, and economic issues.
Maximizes new and existing customer relationships by cross selling key deposit/fee income products/services as customer needs dictate.
Maintains the asset quality of the loan portfolio.
Communicates with Market President and/or Chief Banking Officer on a regular basis on community activities and others on operational and/or lending issues as needed.
Facilitates negotiation with customer, both new and existing, according to established standards, such as fees, loan repayment options, and other credit terms.
Refers and/or presents credit proposals to loan committee for approval in excess of individual loan approval authority.
Ensures loan agreements are complete and accurate according to policy.
Assures timely loan closing and funding activities.
Maintains updated loan documentation and loan files.
Seeks networking opportunities with valuable third party associates and potential clients through community activities, professional organizations, educational workshops and seminars, charitable organizations, and economic and community development organizations (local Chambers, economic development councils, etc.).
Represents Bank in industry and professional associations, community organizations, local business groups, etc., and promotes Bank's favorable image.
Collects delinquent accounts in timely manner within bank procedures/processes.
Develops/negotiates revised loan repayment terms/schedules as necessary.
Remains knowledgeable and abreast of guaranteed government loan programs and other conventional financing mechanisms as vehicle for customers.
Compliance with bank policies and procedures and federal and state laws/ regulations.