Market President/Senior Ag & Commercial Lender

Pathway Bank is seeking a dynamic leader to serve as Market President/Senior Ag & Commercial Lender in Lexington. This position offers the opportunity to lead market growth efforts, develop agricultural and commercial banking relationships and represent the Bank throughout the community. If you are passionate about relationship banking, leadership, and helping customers succeed, we'd love to hear from you. 

Pathway Bank offers a competitive compensation package designed to reward growth and performance. This role offers loan incentives, semi-annual bonus potential, and the opportunity to earn a company vehicle. 

Summary:
The Market President/Senior Ag & Commercial Lender serves as the primary lending officer and market leader for Pathway Bank's Lexington branch and surrounding market area. Responsibilities include developing and managing agricultural and commercial banking relationships, evaluating creditworthiness, processing loan requests, preparing and reviewing loan documentation, and generating loan and deposit growth. This position also represents the Bank within the community and supports strategic growth initiatives throughout the Lexington market while ensuring compliance with applicable banking regulations and Bank policies.

Responsibilities:

· Provides leadership and direction for Pathway Bank's Lexington market.

· Develops and maintains relationships with agricultural producers, agribusinesses, commercial customers, and community leaders.

· Identifies opportunities for loan and deposit growth through business development.

· Serves as a visible representative of the Bank in community and agricultural organizations.

· Collaborates with executive management to achieve market goals. 

· Serves as a lending leader and resource for the Bank, providing guidance, training, and mentorship to loan officers and other lending personnel.

· Prospects new customers, develops new agricultural and commercial banking relationships, solicits new loans and deposit relationships, and cross-sells other banking products and services. Maintains ongoing customer contact to ensure strong customer relationships.

· Performs ongoing management of a portfolio of agricultural, commercial, and other account relationships. Responsibilities include account reviews, problem resolution, research and follow-up, and monitoring customers' financial condition and credit risk.

· Interviews loan applicants and gathers, analyzes, and evaluates financial and related information to determine creditworthiness and appropriate credit structures.

· Reviews and approves or denies loan requests within established authority limits. Prepares action memos and presents credits exceeding authority to management and/or the loan committee. May serve and vote as a member of the Bank's loan committee.

· Monitors loan repayment activities and takes appropriate action to address past-due accounts and minimize credit risk.

· Participates in the development and execution of market goals, budgets, business development strategies, and strategic planning initiatives.

· Ensures compliance with applicable banking regulations, internal policies, lending procedures, and sound credit administration practices.

· Attends and participates in customer, community, agricultural, and Bank-sponsored events.

· Performs other duties as assigned.

Education and Experience Required:
Bachelor's degree in Finance, Accounting, Business Administration, Agricultural Economics, or a related field strongly preferred. Equivalent experience in related fields may be considered in lieu of formal education. Minimum of five (5) years of agricultural and/or commercial lending experience required. Demonstrated business development and relationship management experience strongly preferred. 

Required Skills/Abilities:

• Excellent verbal      and written communication skills.
• Excellent      interpersonal, relationship building, business development and customer      service skills.
• Proficiency in Microsoft Office      Suite and familiarity with loan origination software (LOS) platforms.
• Strong      understanding of agricultural and commercial lending practices, credit      analysis, loan structuring, and portfolio management.
• Strong knowledge      of applicable banking regulations, compliance requirements, and industry      best practices.
• Self-motivated      and results-oriented, with a proactive approach to problem-solving and      decision-making.