Vice President/Loan Officer

JOB SUMMARY

Responsible for establishing, maintaining and maximizing relationships with existing and potential agricultural and business customers and to develop a loan portfolio in a compliant manner that creates strong quality credit relationships for the bank following established procedures. This position requires a high degree of integrity, trust and confidentiality.

DUTIES AND RESPONSIBILITIES

Primary

• Following loan policies and procedures, negotiate terms and structure loan financing within your lending limit and/or present credits for approval to appropriate levels of authority within the bank as required
• Maintain the loan portfolio with sufficient sound documentation and minimal compliance exceptions
• Develop new business
• Collect delinquent accounts in a timely manner following bank policies & procedures
• Maximize bank profitability through appropriate pricing of new loan originations, fee income, and selling of all bank products and services
• Maintain confidentiality of customers conversations and information and proprietary bank information

Secondary

• Knowledge of the various products, services and delivery systems
• Deliver consistent, superior customer service in accordance with bank standards
• Active involvement in community and civic organizations, as appropriate to professionally represent the bank in the community
• Participate in training and bank meetings as related to position

Additional

• Follow established opening and closing procedures
• Complete required compliance and software training

SKILL REQUIREMENTS

• Must exercise accuracy, alertness, good judgment, courtesy, tact, patience and professionalism  
• Must be able to speak effectively, actively listen and express thoughts in a clear, thorough manner 
• Must be able to effectively share and explain pertinent information with bank employees
• Must be willing to collaborate and cooperate with others in the organization and possess effective working relationships with co-workers
• Must be able to demonstrate work stability, be self-sufficient and self-motivating with satisfactory attendance/punctuality and an ability to be flexible in work schedule
• Bachelor’s degree in business or finance required
• Five or more years as a commercial lender and/or ag lender required

PHYSICAL DEMANDS

While performing the duties of this job, the employee is required to communicate effectively with others, stand and use hands to finger and handle keyboard, telephone, paper, files, and other equipment and objects. The employee is frequently required to walk, sit and to reach with hands and arms. The employee must occasionally lift and/or move up to 40 pounds. This position requires the ability to review detailed documents and read computer screens.

WORK ENVIRONMENT

The work environment requires appropriate interaction with others. The noise level in the work environment is usually quiet.