Ag Finance Business Development Officer - Remote

Zions Bancorporation • Ames, IA

12d • Remote

About The Position

Zions Agricultural Finance (ZAF), a division of Zions Bank, is a leading originator and servicer of agricultural land loans across the United States, with a loan portfolio exceeding $2 billion. The division, established in 1997, is expanding and seeking a motivated Business Development Officer – Relationship Manager to join its loan origination team. This role is responsible for new loan origination, field servicing, underwriting, and structuring of agricultural real estate mortgage loans. The loan officer aspect involves seeking new loan growth to meet departmental goals for loan volume and quality, adhering to lending policies. The annual goal is to originate $10-$20 million in new loans, depending on location. This individual must operate with a high degree of care and skill, consistent with banking standards and in compliance with all applicable laws and regulations. The Business Development Officer – Relationship Manager component requires presenting a professional image to clients and providing service that exceeds expectations. This is a Remote role, but the candidate must reside in one of the specified regions: West (e.g., California), Midwest (e.g., Iowa, Nebraska, or Illinois), South (e.g., Texas), or Southeast (e.g., Florida, Georgia, or Tennessee). The position requires travel within the assigned region and occasional in-person visits to the bank. The role offers opportunities for career advancement, benefits starting on day one, 12 bank holidays, profit sharing, and company-matched 401(k) contributions.

Requirements

• Bachelor’s degree in business, finance or related field and/or 5+ year’s agricultural lending experience.
• Thorough understanding of agricultural credit with the ability to structure and underwrite complex loans and manage credit risk.
• Prior experience managing and growing a large loan portfolio with established relationships.
• Strong attention to detail, organizational and problem-solving skills with an ability to meet deadlines.
• Advanced written and verbal communication skills.
• Tact, diplomacy, and good judgment required at all times.
• Proven customer service skills and effective team skills.
• Advanced computer skills, including Microsoft Office products (Outlook, Excel, Word, Access, etc.) and other industry-specific applications including loan origination, closing, and servicing systems.
• Must reside in one of these four regions: West (such as California), Midwest (such as Iowa, Nebraska, or Illinois), South (such as Texas), Southeast (such as Florida, Georgia or Tennessee).

Responsibilities

• Manage all aspects of the loan origination process, including presentations, structuring, pricing strategy, transaction negotiations, due diligence and closings.
• Develop and maintain a network of prospective client referral sources through community and business development activities.
• Effectively represent ZAF while calling on potential or existing customers to develop new business and expand client relationships.
• Interview applicants to obtain sufficient information concerning loan requests to make acceptable risk determinations for proposed loans.
• Manage loan portfolio and delinquencies.
• Work closely with credit administration, underwriting and loan documentation personnel to ensure a high standard of quality in each credit request submitted for approval.
• Assist in the creation and maintenance of credit-related policies, processes, and procedures.
• Develop resolutions to complex problems that require the frequent use of creativity.

Benefits

• Medical, Dental and Vision Insurance - START DAY ONE!
• Life and Disability Insurance
• Paid Parental Leave
• Adoption Assistance
• Health Savings (HSA)
• Flexible Spending (FSA)
• Dependent care accounts
• Paid Training
• Paid Time Off (PTO)
• 11 Paid Federal Holidays, and any applicable state holidays
• 401(k) plan with company match
• Profit Sharing
• Mental health benefits including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year
• Employee Ambassador preferred banking products

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level