Agricultural Sales Associate

7a215ac2-c2a6-495d-bc9a-2879d5a427de•Ephrata, PA

1d•$58,000 - $87,000

About The Position

The Agricultural Sales Associate supports the origination and servicing of agricultural loans, manages aspects of the agricultural portfolio, and participates in sales initiatives. The role supports Agricultural Relationship Managers by handling administrative and operational loan activities from application through closing, maintaining documentation and customer files, ensuring regulatory compliance, and coordinating with underwriting, loan operations, compliance, and other stakeholders. The associate also helps manage portfolio credit quality and serves as a point of contact for established customers to support efficient communication and loan servicing. The position is full-time, Monday through Friday, 8:00 a.m. to 5:00 p.m., with schedule flexibility required to meet business needs. Some travel may be required. It operates in a professional office environment and routinely uses standard office equipment. The role has no supervisory responsibilities.

Requirements

2–4 years of relevant experience.
Bachelor's degree in Finance, Business, Accounting, Economics, or a related field; equivalent experience may be considered in lieu of a degree.
Hold an NMLS registration or be able to obtain it within six months of entering the role.
Proficiency with basic software applications, including Microsoft Word and Excel.
Ability to gain working knowledge of commercial, real estate, and construction lending.
Valid driver's license.

Responsibilities

Assist with loan workflows from application to closing, including entering requests, preparing documentation, and ensuring regulatory compliance.
Coordinate loan approvals with Relationship Managers, Credit Underwriters, and other stakeholders.
Research borrower, guarantor, and collateral details and ensure due diligence is completed and documented.
Prepare and maintain client credit files throughout the loan process.
Oversee loan closings, confirm approval conditions are met, and coordinate accurate, timely documentation with Loan Operations.
Coordinate with third parties such as attorneys, accountants, insurance agents, and appraisers to facilitate loan closings.
Order, review, and finalize loan documents and ensure required documents are properly executed before loan proceeds are disbursed.
Process adverse or withdrawn loans and ensure appropriate documentation and processing.
Monitor the credit quality of the agricultural portfolio.
Process line-of-credit renewals and perform annual reviews of loan exposures that meet defined criteria.
Monitor borrowing-base lines of credit for compliance with loan terms.
Monitor risk ratings on assigned relationships and recommend changes when needed.
Monitor credit concerns and recommendations and resolve them as necessary.
Manage note modifications and loan-servicing requests, including preparation, review, documentation, and filing for loan bookings.
Use CRM tools to document and track activities.
Collaborate with underwriters and credit analysts on annual reviews and renewals.
Develop working knowledge of customers, businesses, and prospect opportunities, and contact them as needed to support relationship management.
Review account status, including past-due accounts and matured notes, and make appropriate recommendations.
Liaise between Relationship Managers and customers, answer inquiries about loans, payments, and advances, and provide support as needed.
Assist with financial request letters and monitor required financial covenants.
Support Relationship Managers' new-loan efforts, including industry and company research.
Monitor compliance with bank lending policies, procedures, and regulations.
Prepare financial reports, track loan statuses, and maintain accurate CRM records.
Participate in department KPIs, including loan volume, submission accuracy, and error rates, and monitor credit quality and annual line-of-credit renewals reporting.
Prepare documents in Word and Excel, process mail and invoices, and manage office supplies as needed.
Register with PAN to act as a notary for loan documents and closings.
Manage the team email mailbox and fax number to support efficient workflow.
Perform other duties as assigned to support the bank's lending efforts and vision.

Benefits

Medical plans with prescription drug coverage.
Health savings account and/or flexible spending account.
Dependent care flexible spending account.
Dental and vision insurance.
Life insurance.
401(k) program with employer match.
Employee Stock Purchase Plan.
Paid time off programs, including holiday pay, jury duty, and bereavement.
Disability insurance coverage.
Maternity and parental leave.
Educational assistance.
Wellness program with financial incentives.
Incentive-eligible compensation based on company, business, and/or individual performance.