Agricultural / Commercial Loan Officer

Responsible for developing new business and client relationships, producing a variety of agricultural loans as well as generating and managing a portfolio of business and corresponding relationships. This position will have responsibility for underwriting, structuring, and closing agricultural loans that meet established lending requirements and maximizes profitability to the bank with minimal risk.

• Build solid, profitable relationships with clients / prospects to establish and service a sound portfolio.
• Analyze client / prospect needs, and recommends appropriate solutions that match those needs, consistent with the Bank's credit culture.
• Analyze and screen loan requests. Negotiates terms / conditions, structure loan financing based on risk considerations consistent with Bank policy and Asset / Liability guidelines; approve loans within assigned lending limits; and / or prepare / present credits outside lending limits for approval to appropriate levels of authority, as required.
• Fosters and maintains cohesive partnerships and working relationships with all lines of business within the Bank.
• Effectively evaluates and manages each client relationship and transaction for financial and credit risk and potential loss to the Bank.
• Comply with government regulations and bank policy to assure conformity with required laws and terms.
• Maintain an awareness of competitive products, practices, rates and changes in the local market.
• Represents the Bank in the local community through proactive participation in community, charitable, business and social activities.

Job Requirements