Agricultural Loan Officer

First Citizens National Bank of Upper Sandusky • Marion, OH

36m

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 originating and closing other loan types to meet customer needs. The officer explains products, programs, and loan processes; sets customer expectations; provides service throughout the loan process; and collects information needed for underwriting.

The position develops and maintains agricultural customer relationships, manages the Bank’s Farmer Mac lending program, identifies lending and deposit opportunities, and collaborates with internal partners to deliver financial, merchant, and treasury management services. It also represents the Bank in the community, manages a personal loan pipeline, monitors credit quality and borrower risk, and supports collections, annual reviews, and site visits as needed. The role requires compliance with applicable federal and state regulations and Bank policies.

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

• Primarily serve as an agricultural loan officer and originate and close other types of loans as needed to meet customer needs.
• Promote loan growth among prospective and existing customers, explain products and loan processes, and set customer expectations.
• Provide customer service before, during, and after loan closings.
• Take loan applications at customer locations and assigned banking offices, collect underwriting information, review closing documents for accuracy, and coordinate 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 agricultural relationships and provide financial solutions when customer needs do not align with internal products.
• Build relationship-banking partnerships, identify loan and deposit opportunities, and refer and collaborate with internal partners on 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 proactively address potential risks.
• 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 and relevant government regulations, including the Bank Secrecy Act, Regulation E, Regulation CC, CRA, and Regulation DD.
• Assist with collections, annual borrower reviews, and site visits as needed.

Benefits

• Educational reimbursement, with the employer 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