Agricultural Loan Officer

First Citizens National Bank of Upper Sandusky • Marion, OH

9d

About The Position

The Agricultural Loan Officer proactively executes integrated sales, service, and relationship strategies to support the growth and retention of agricultural business customers. The role primarily involves agricultural lending, while also allowing the officer to originate and close other types of loans to meet customer needs. The officer supports customers throughout the loan process, from application and underwriting information collection through closing and ongoing service, and works closely with Credit and Loan Processing teams.

The position manages the Bank’s Farmer Mac lending program and personal loan pipeline, promotes loan growth, and identifies opportunities to provide customers with additional financial services. It also involves community participation, leadership, credit-quality monitoring, collections support, borrower reviews, and site visits. The officer must comply with applicable federal and state requirements and Bank policies. Duties and responsibilities may change, and the position is not an employment contract; employment is at will.

A four-year college degree in business, finance, or agriculture is required, or equivalent work experience and/or formal bank training schools and seminars. Candidates should have agricultural lending experience and/or formal credit training, strong interpersonal communication skills, and well-developed written communication skills. Salary is commensurate with experience. A complete benefits package is provided.

Requirements

• Agricultural lending experience and/or formal credit training.
• A four-year college degree in business, finance, or agriculture, or equivalent work experience and/or formal bank training schools and seminars.
• Strong interpersonal communication skills.
• Well-developed written communication skills.

Responsibilities

• Serve primarily as an agricultural loan officer and originate and close other loan types when needed to meet customer needs.
• Promote loan growth among prospective and existing customers; explain products, programs, and loan processes and set customer expectations.
• Provide customer service before, during, and after loan closings.
• Take loan applications inside and outside assigned banking offices and collect information for underwriting.
• Review loan closing documents for accuracy and work effectively with Credit and Loan Processing teams.
• Represent the Bank positively by participating in community organizations and projects.
• Manage the Bank’s Farmer Mac lending program to retain and strengthen agricultural customer relationships.
• Build trusted customer relationships; identify loan and deposit opportunities and refer customers to internal partners for financial, merchant, and treasury management services.
• Provide visible leadership that fosters positive attitudes and trust among employees, clients, and prospects.
• Maintain loan credit quality, recognize early warning signs, monitor clients and risk ratings, and identify issues to mitigate future risk.
• Manage a personal pipeline to meet service standards and financial goals.
• Maintain knowledge of financial-industry data, the economy, market conditions, rates, vendors, and competition.
• Comply with applicable federal and state requirements, government regulations, and Bank policies, including Bank Secrecy Act, Regulation E, Regulation CC, CRA, and Regulation DD requirements relevant to the position.
• Assist with collections, annual borrower reviews, and site visits as needed.

Benefits

• Educational reimbursement, with First Citizens paying 100% of tuition for full-time employees.
• Student loan debt repayment.
• Paid time off.
• 401(k).
• Health insurance.
• Dental insurance.
• Vision insurance.

What This Job Offers

• Job Type: Full-time