Agribusiness Loan Officer

Columbus Bank and Trust Company•Columbus, NE

154d•Onsite

About The Position

The Agribusiness Loan Officer will act as a relationship manager (RM) to deliver advice and value for business customers. They will enable business customer growth and retention in line with credit and risk strategies. The Agribusiness Loan Officer will “bring the bank to the customer” by connecting business customers with appropriate products including but not limited to, commercial deposit accounts, business planning, treasury services, and credit accounts.

Requirements

Bachelor’s Degree and/or 5+ years of successful commercial lending relationship management experience.
Ability to build and grow a diverse portfolio of business products with growing entrepreneurial businesses.
Customer-focused thinker.
Strong customer and people relationship skills.
Proficient credit analysis knowledge and skills.
Proven experience prioritizing and handling multiple customer relationships at the same time.

Responsibilities

Act as a relationship manager (RM) to deliver advice and value for business customers.
Enable business customer growth and retention in line with credit and risk strategies.
Connect business customers with appropriate products including but not limited to, commercial deposit accounts, business planning, treasury services, and credit accounts.
Help customers be successful by understanding customer needs and matching with Columbus Bank solutions.
Manage portfolio relationships matching the skills, knowledge, and experience of the RM to the needs of the customers in their geography framework.
Spend 20% of time acquiring new business.
Spend 40% of time growing existing business.
Spend 40% of time servicing existing business.
Manage a portfolio of 50 relationships averaging $50M loans.
Manage a portfolio of 50 relationships averaging $50M deposits.
Build a portfolio of business customers by delivering advice and value.
Build centers of influence (attorney, accountants, and other needed referral sources).
Guide, direct and facilitate solutions across all product specialties of the bank for their business customers.
Participate and be involved as an active community member.
Identify new business customer opportunities and solutions aligned to match customer needs.
Oversee portfolio quality focused on growth and retention in line with credit risk.
Facilitate product partners and support teams based on customer needs.
Negotiate terms and options with customer.
Qualify and document opportunities.
Set expectations with customer regarding timeline and product document requirements.
Leverage technology and tools consistently for data quality.
Use sales and prospecting tools and processes, effectively.
Partner with other employees to optimize referral opportunities to meet the needs of the business customer.
Understand and comply with bank policy, laws, regulations, and the bank's BSA/AML Program, as applicable to your job duties.
Complete compliance training and adhere to internal procedures and controls, as required.
Report any known violations of compliance policy, laws, or regulations.
Report any suspicious customer and/or account activity.
Exhibit professional behavior and promote positive working relationships at all times.
Maintain regular and predictable attendance.