Agriculture Relationship Banking Officer

First Bank•Carmi, IL

About The Position

You’re l ooking to build a reputation for taking care of business by understanding that a banking relationship should be transformational – not just transactional. Join our growing team where your ambition will be supported and celebrated. We’re hiring a Agriculture Relationship Banking Officer for our Illinois market and we can’t wait to hear from you! The Relationship Banking Officer develops relationships with prospective and existing clients and will be responsible for overall management of those relationships. Responsibilities will include originating loans and deposit accounts for those in the agriculture industry. Within the portfolio managed, the business banker will be responsible for credit decisions (within authority guidelines), overall credit quality, and fee income.

Requirements

Data analysis
Agriculture knowledge
Forecasting
Problem solving
Computer usage
Verbal and written communication
Detail orientation
Critical thinking
Strategic thinking
Strong negotiating and sales skills to ensure mutually beneficial relationships
Conflict resolution
Credit, bank products, rules, and regulations
5 years agriculture banking experience
Bachelor’s degree in business or related field
Desire to grow in career and to help clients to thrive

Responsibilities

Builds relationships with clients by providing value added services and expertise.
Participates in company’s organized, primarily team-based officer call program.
Through a deep understanding of bank products and services, uncovers needs and makes recommendations to clients and prospects.
Partners with business development and treasury management personnel to create new and expand existing client relationships.
Identifies current and prospective sales and expansion opportunities by reviewing client and market data and trends.
Ensures credit quality at loan origination and through ongoing monitoring of assigned loan portfolio in accordance with loan policy.
Establishes and negotiates the terms under which credit will be extended, including the costs, repayment method and schedule, and collateral requirements with guidance from the Senior Loan Officer and Senior Credit Officer.
Presents loan requests to the Bank’s Loan Committees.
Collaborates with and delegates tasks to portfolio manager to ensure that clients’ needs are met and documentation and operational tasks of loan are completed properly.
Strategically maintains public relations with the community by serving on local boards and committees and attending community functions.
Protects the bank and clients by following company policies and procedures and completing required BSA and compliance courses.
Performs other duties as assigned.