VP Ag Loan Officer

Citizens Alliance Bank Careers•Clara City, MN

21h•Onsite

About The Position

This position is responsible for managing an existing Ag loan portfolio and developing new Ag lending business. The candidate must be able 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. This role involves extensive customer contact and responsibility for all operational aspects for Ag loans in their market. The VP Ag Loan Officer must stay updated on the Bank’s lending policies and State and Federal lending regulations. Additionally, this position may involve the supervision of other lenders in the department, with the level of responsibility determined by years of service, education, equivalent experience, knowledge, and skill set. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Requirements

Valid Driver’s License.
Exemplify and follow core values (Humility, Respectful, Genuine Care for Others, Finds A Way, Effort, Owning-It).
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.
High School diploma or GED.
Three to five years of banking experience.

Nice To Haves

Continuing Education to maintain job knowledge.
Three to five years of customer service experience.
Proficiency in Microsoft Suites.

Responsibilities

Manage an existing Ag loan portfolio and 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.
Maintain extensive customer contact and be responsible for 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.
Demonstrate excellent written and verbal communication skills.
Possess knowledge of regulations governing all lending practices.
Recognize consumer 1-4 family applications and refer them to a consumer Loan Officer as appropriate.
Maintain an innovative outlook to drive continual progress and retention.
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, as required.
Be proactive in obtaining new Ag loan customers for the bank.
Demonstrate the ability to prioritize workload.
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.
Possess strong prioritization and organizational skills.
Possess an understanding of general business and financial issues.
Manage multiple concurrent projects.
Be a self-starter and possess the ability to work both independently and in a group setting.
Possess strong interpersonal skills and the ability to establish and maintain good relations with co-workers and other bank personnel.
Assist co-workers as needed.
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.
Perform other duties as assigned and requested.