Agribusiness Loan Officer

CUSB BANK•Osage, IA

About The Position

The Agribusiness Loan Officer develops a working knowledge of the bank’s lending function through on-the-job training to generate and maintain quality loans that support the bank’s growth objectives and profitability benchmarks. The role builds the knowledge and experience needed to cultivate quality credit relationships with existing and prospective loan customers while following bank policies and regulatory requirements. The position supports the bank’s strategic objectives and is expected to perform duties to the standards set by management. The officer learns to evaluate credit applications, maintain accurate loan documentation, communicate loan terms and requirements to customers, advise customers on financial products, and support the collection of delinquent accounts. The role also contributes to business development, community and industry engagement, and service to existing customers.

Requirements

Bachelor’s degree or equivalent experience, or an equivalent combination of education and industry experience.
Excellent customer service and interpersonal skills with customers and employees.
Ability to read, write, and speak English.
Strong verbal and written communication skills.
Proficiency in Microsoft Office Suite.
Solid accounting and math skills.
Ability to handle time pressures and rapidly changing stress levels depending on staffing and customer activity.
Good organizational skills, including the ability to reprioritize daily tasks to accommodate customers and coworkers.
Ability to operate standard office equipment and compose business correspondence and reports.
Strong attention to detail.
Willingness to assume responsibility.
Ability to maintain the integrity of highly confidential customer and bank financial information.
Reasonably regular and predictable attendance.
Valid driver’s license.

Responsibilities

Participate in internal and external training to develop knowledge of the bank’s credit function.
Develop and maintain the skills and knowledge needed to cultivate quality credit relationships.
Learn to gather, analyze, and evaluate information for loan decisions in accordance with bank policies, procedures, regulatory requirements, and accepted banking practices.
Maintain accurate records and documentation for loan and credit files.
Communicate proactively with borrowers and third parties to complete loan-related tasks by established deadlines; explain loan terms and conditions and ensure customers understand them.
Assess and advise customers on financial products, provide financial literacy, explain loan types and credit options, and help customers meet their financial goals through customer service aligned with the bank’s stated values.
Help minimize past-due loans by monitoring past-due and questionable credits, participating in collection processes, and developing revised repayment terms or schedules when necessary.
Learn to use government programs when appropriate to meet customers’ credit needs.
Establish and maintain positive working relationships with loan businesses and other organizations, and provide information about lending programs and policies.
Participate in the bank’s business development activities and represent the bank in industry and professional associations, community organizations, and local business groups.
Participate in an officer call program to service existing customers and develop business related to loans and deposits.