AG LOAN OFF

Pinnacle Bank/Bank of Colorado•Schuyler, NE

4d•Onsite

About The Position

GENERAL SUMMARY: Manages a portfolio of agricultural, commercial & consumer loan/depository accounts. Responsible for prospecting new customers and cross-selling other bank services. RESPONSIBILITIES AND DUTIES: Prospects new customers and solicits new agricultural, commercial & consumer loans. Cross-sells other banking services to new and existing customers. Maintains on-going customer contact to ensure good customer relations. Interacts by telephone and in person. Attends customer and bank sponsored events. Performs on-going management of a large portfolio of commercial account relationships. Includes account reviews, problem solving, research and follow-up to internal account errors etc. Interviews loan applicants: gather and evaluate financial and related data to establish credit worthiness. Monitor customers’ financial condition. Reviews and approves or denies loan requests to new or existing customers up to a pre-determined limit. Prepares action memos to be reviewed by management and presents credits exceeding authority to the loan committee. Serve and vote as a member of the bank loan committee. Provides guidance to subordinate lending officers on lending decisions and managing accounts. Monitor loan repayment activities, take necessary action to collect past-due accounts. Participates in preparation of department budget, goals, and objectives and strategic planning. Participates in civic and community organizations, representing the bank, but following personal interests. If possible, participate on the executive level position on the board. Performs other related duties as assigned by management. Ability to maintain regular and reliable attendance. KNOWLEDGE, SKILL, AND ABILITIES: Knowledge of agricultural, commercial and consumer lending procedures. Knowledge of general banking principles and banking. Knowledge of sales and marketing practices and principles. Skill in communicating with clients and co-workers in courteous and professional manner. Skill in operating computer terminals and printers, coin machine and copier Skills in pricing loans. Ability to maintain a high level of confidentiality. Ability to problem solve. Ability to make sound decision using information at hand. Ability to demonstrate accuracy and efficiency in a fast-paced environment. Ability to function as a team player. EDUCATION AND EXPERIENCE: College degree preferred A minimum of 24 months of prior lending experience is preferred. PHYSICAL REQUIREMENTS: NOTE: The statements herein are intended to describe the general nature and level or work being performed by employees assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills

Requirements

Knowledge of agricultural, commercial and consumer lending procedures.
Knowledge of general banking principles and banking.
Knowledge of sales and marketing practices and principles.
Skill in communicating with clients and co-workers in courteous and professional manner.
Skill in operating computer terminals and printers, coin machine and copier
Skills in pricing loans.
Ability to maintain a high level of confidentiality.
Ability to problem solve.
Ability to make sound decision using information at hand.
Ability to demonstrate accuracy and efficiency in a fast-paced environment.
Ability to function as a team player.
A minimum of 24 months of prior lending experience is preferred.

Nice To Haves

College degree preferred

Responsibilities

Prospects new customers and solicits new agricultural, commercial & consumer loans.
Cross-sells other banking services to new and existing customers.
Maintains on-going customer contact to ensure good customer relations.
Interacts by telephone and in person.
Attends customer and bank sponsored events.
Performs on-going management of a large portfolio of commercial account relationships.
Includes account reviews, problem solving, research and follow-up to internal account errors etc.
Interviews loan applicants: gather and evaluate financial and related data to establish credit worthiness.
Monitor customers’ financial condition.
Reviews and approves or denies loan requests to new or existing customers up to a pre-determined limit.
Prepares action memos to be reviewed by management and presents credits exceeding authority to the loan committee.
Serve and vote as a member of the bank loan committee.
Provides guidance to subordinate lending officers on lending decisions and managing accounts.
Monitor loan repayment activities, take necessary action to collect past-due accounts.
Participates in preparation of department budget, goals, and objectives and strategic planning.
Participates in civic and community organizations, representing the bank, but following personal interests.
If possible, participate on the executive level position on the board.
Performs other related duties as assigned by management.
Ability to maintain regular and reliable attendance.