VP/Commercial Loan Officer

First Northern Bank of Dixon•Dixon, CA

5d•Onsite

About The Position

We are looking for a Commercial Loan Officer to join our Ag Lending team. This role involves generating new loan opportunities, originating and renewing various types of Agribusiness loans, evaluating financial plans, and managing the loan portfolio. The ideal candidate will have a strong understanding of underwriting standards and a proven ability to manage client relationships and risk.

Requirements

HS Diploma or GED Required
Minimum of 5 years’ related experience in commercial and agribusiness lending required
Strong understanding of underwriting standards for commercial and agribusiness loans required

Nice To Haves

Bachelor's degree in business or a related field from four-year college or university preferred
Strong proficiency in Microsoft office products preferred

Responsibilities

Generate new loan opportunities from both existing portfolio clients and outside sources
Originate and renew Agribusiness Operating Lines and Loans, Equipment Finance as well as Owner Occupied Agribusiness related Real Estate Loans
Evaluate annual crop production plans and budgets
Compile loan package and facilitate negotiation of loan structure with applicants, including fees, loan repayment options, and other credit terms
Review applicant financial status, credit and collateral evaluation to determine feasibility of granting loan after receiving application back from Credit Services department
Prepare and present credit analysis and recommendations on agribusiness borrowing requests; demonstrate sound judgment in recommending loans for approval or declination
Proficient in reading and developing ag budgets and ag financial statements required
Monitor portfolio for quality, risk, and adherence to Bank policy and agribusiness lending best practices
Work closely with Agribusiness Banking Leadership and Credit Administration to ensure sound portfolio management, client introductions and timely resolution of issues
Maintain active involvement in community organizations and activities, including those related to the Agribusiness community