Commercial Ag Lender

State Street Bank•Quincy, IL

16h•$100,000

About The Position

The Commercial/Ag Lender develops and manages commercial and agricultural loan accounts that meet established lending objectives and requirements. The role drives marketing efforts to build positive customer relationships and loan portfolios and promotes the bank’s profitability and productivity. The Commercial/Ag Lender supervises the Business Banking Officer and oversees cash management while working with that officer to develop and meet sales goals for commercial deposits.

Requirements

Bachelor’s degree in accounting, business, or finance.
At least 3 years of experience as a commercial/agricultural lender.
Strong credit analysis and underwriting skills.
Knowledge of advanced lending principles and methods and the business objectives of a lending department.
Proficiency with Microsoft Office products and bank core processing systems.
Attention to detail, organizational skills, time management skills, and problem-solving skills.
Ability to sit, stand, kneel, or bend for extended periods and occasionally lift up to 20 pounds.
Developed interpersonal abilities; ability to remain composed under high pressure; self-driven and motivated.
Ability to communicate with clients, coworkers, and outside agencies in writing, in person, and over the telephone.

Responsibilities

Interview loan applicants and collect and analyze financial and related information to assess creditworthiness; approve or reject loans and terms within assigned limits and bank policies.
Monitor loan repayments and conduct field work when necessary to locate and collect delinquent payments or secure collateral; take appropriate action on past-due accounts.
Develop and maintain positive relationships with existing and prospective customers.
Cross-sell bank products and services.
Maintain knowledge of commercial and agricultural lending functions, rules, regulations, laws, policies, and procedures.
Oversee cash management and work with the Business Banking Officer to develop and meet commercial deposit sales goals.
Participate in community events and represent the bank with integrity and professionalism.
Handle customer inquiries and concerns.
Follow bank policies and support management decisions and goals in a positive, professional manner.
Perform other duties as assigned.
Supervise the Business Banking Officer.