VP Ag Loan Officer

Citizens Alliance Bank•Clara City, MN

5d•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. The VP Ag Loan Officer must exercise sound judgment in the loan making process. This position will have extensive customer contact and will be responsible for all operational aspects for Ag loans in their market. The VP Ag Loan Officer will be responsible for abiding by and keeping up to date on the Bank’s lending policies in addition to State and Federal lending regulations. In addition, the Ag Loan Officer position could be tasked with 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

High School diploma or GED, Etc.
Continuing Education to maintain job knowledge.
Three to five years of banking experience.
Valid Driver’s License.
Ability to exemplify and follow core values.
Regular attendance and punctuality.
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.
Ability to install a Multi-Factor Authentication (MFA) app on an employee’s personal mobile device.

Nice To Haves

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.
Have 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 in addition to 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.
Drive continual progress and retention with an innovative outlook.
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.
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.
Be a self-starter and possess the ability to 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.
Travel for trade and industry schools and seminars as needed.
Perform other duties as assigned and requested.