VP Ag Loan Officer

Citizens Alliance•Clara City, MN

5h•$80,000 - $140,000•Onsite

About The Position

This position is responsible for managing an existing Ag loan portfolio and developing new Ag lending business. The role requires the candidate to effectively underwrite, structure, and close all types of Ag loans in accordance with the Bank’s established policies and procedures, exercising sound judgment in the loan making process. The VP Ag Loan Officer will have extensive customer contact and be responsible for all operational aspects for Ag loans in their market. This role involves abiding by and staying up-to-date on the Bank’s lending policies, in addition to State and Federal lending regulations. The position may also involve some supervision of other lenders in the department. The level of this position is based on years of service, education and/or equivalent experience, knowledge level, and skill set.

Requirements

Excellent written and verbal communication skills.
Knowledge of regulations governing all lending practices.
Ability to recognize consumer 1-4 family applications and refer them to a consumer Loan Officer as appropriate.
Ability to process Ag loan transactions and aid with transaction inquiries.
Ability to aid with consumer loan transactions and aid with transaction inquiries.
Ability to analyze financial statements, cash flows, pay records and tax returns.
Ability to present credits and loans for approval to appropriate authority, as required.
Ability to be proactive in obtaining new Ag loan customers for the bank.
Ability to prioritize workload.
Ability to take Ag applications and approve or reject loan requests in accordance with loan policies and procedures.
Ability to obtain and maintain a working knowledge of regulatory requirements as they relate to safety and soundness, compliance, and operations.
Ability to develop referral networks, suggest alternate channels, and cross-sell products and services to accomplish the Bank’s goals.
Strong prioritization and organizational skills.
Understanding of general business and financial issues.
Ability to manage multiple concurrent projects.
Self-starter with the ability to work both independently and in a group setting.
Strong interpersonal skills and the ability to establish and maintain good relations with co-workers and other bank personnel.
Valid Driver’s License.
Exemplify and follow core values.
Regular attendance and punctuality.
Ability to travel for trade and industry schools and seminars as needed.
May require installation of a Multi-Factor Authentication (MFA) app on an employee’s personal mobile device.
Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank’s policies and procedures.

Nice To Haves

Innovative outlook to drive continual progress and retention.
Proficiency in Microsoft Suites.
Three to five years of customer service experience.

Responsibilities

Manage an existing Ag loan portfolio.
Develop new Ag lending business.
Underwrite, structure, and close all types of Ag loans in accordance with the Bank’s established policies and procedures.
Exercise sound judgment in the loan making process.
Manage all operational aspects for Ag loans in their market.
Abide by and keep up-to-date on the Bank’s lending policies and State and Federal lending regulations.
Potentially supervise other lenders in the department.
Process Ag loan transactions and aid with transaction inquiries.
Aid with consumer loan transactions and aid with transaction inquiries.
Analyze financial statements, cash flows, pay records, and tax returns.
Present credits and loans for approval to appropriate authority.
Proactively obtain new Ag loan customers for the bank.
Prioritize workload effectively.
Take Ag applications and approve or reject loan requests in accordance with loan policies and procedures.
Obtain and maintain a working knowledge of regulatory requirements as they relate to safety and soundness, compliance, and operations.
Develop referral networks, suggest alternate channels, and cross-sell products and services to accomplish the Bank’s goals.
Manage multiple concurrent projects.
Work both independently and in a group setting.
Establish and maintain good relations with co-workers and other bank personnel.
Assist co-workers as needed.
Perform other duties as assigned and requested.