Agricultural/Commercial Loan Officer

Description

GENERAL FUNCTION:

The Agricultural/Commercial Loan officer is tasked with producing quality loans with a high degree of accuracy and customer service. This position ensures loans are compliant with banking regs, internal polices, and procedures. 

MAJOR DUTIES AND RESPONSIBILITIES:

1. Full knowledge of proper procedures for bank compliance.
2. Interview loan applicants and collect and analyze financial and related data to determine the general credit worthiness of      the prospect and the merits of the specific loan request.
3. Advise customers, where possible, on business management and financial matters.
4. Produce and ensure loan underwriting consistent with policy.
5. Assist in resolving classified assets and collection of delinquent loans.
6. Manage assigned special problems, transactions, computations, and servicing of credits assigned by the senior lender.
7. Participate in loan department training.
8. Approve loans up to lending authority as granted by  the bank’s loan policy.
9. Assist with documentation and policy exceptions follow-up.
10. Actively participate in loan presentations and lending discussions including recommendations to the board and other      lending officers.
11. Coordinate and participate in loan pricing with the Senior Lender.
12. Monitor maturing loans.
13. Monitor new loans, renewals and extensions.
14. Participate in the quarterly review of charge offs and assigned recovery efforts.
15. Recommend troubled loan codes and identify loans eligible for the trouble code report activity monthly to the Senior      Lender.
16. Participate in lending seminars, conferences, and training meetings to keep abreast of new developments in the field of      lending and changing government regulations, ensuring that the staff is kept informed.
17. Develop new business by contacting prospects and customers including cross-selling of the bank’s services.
18. Manage the Post Closing Loan Review function as directed by Sr. Lender.
19. Stay informed in regulation changes and adapt accordingly.
20. Attend all necessary continuing education and training.
21. Aid in protecting the security of banking systems.
22. Represents the bank and participates in community events.
23. Carry out other such duties as may be assigned or directed.

Requirements

• Minimum five years or more of progressively more responsible experience with financial organization.
• Minimum of a bachelor’s degree in associated field.
• Extensive background in financial institution operating policies and procedures, and banking regulations.
• Good oral and written communication skills.
• Excellent interpersonal skills.
• Strong analytical skills.
• Ability to train and evaluate others.
• Supervisory and  managerial experience.