Ag/ Commercial Lender

Position Summary:

This position is responsible for the management and profitability of a significant portfolio, growth and development of future business, excellent customer/community relationships and oversight of compliant procedures/loan processing.

Essential Duties and Responsibilities:

Manage existing portfolio while also developing new ag and commercial relationships.

Provides information to current and prospective customers. Interviews and counsels prospective commercial/ag/consumer loan applicants. Explains options and alternatives (rates, types, repayment timelines, etc); assists with completing loan application forms, gathers all pertinent information necessary to make a loan commitment decision; prepares cash flows and calculates key financial ratios to analyze risk. Other responsibilities include arranging for appraisals of real estate, agricultural, commercial and personal property, verifying customer credit by completing appropriate credit checks and determining if a customer is credit worthy. Clearly communicates decisions to applicants. Adequately documents all customer contacts with appropriate comments.

Approves or declines loans within specified loan limits and according to Bank policy. Prepares and presents presentations for applications to the Loan Committee and/or Board of Directors as needed for approval along with complete documentation supporting recommendation(s).

Presents completed loan documents to customers and discusses any relevant issues, loan terms and/or conditions with customers.

Maintains current loan information files. Prepares letters and notices relating to loans. May prepare loan reports for Bank and regulatory authorities.

Regularly visits business customers to maintain and reinforce positive relationships and cultivate future lending.

Maintain license to sell insurance products to enhance various loan types.

Responsible for collection activities relating to loans and overdrafts. Contacts customers to determine the reason for a past due condition and helps them to bring their account(s) current; counsels customers with financial challenges to determine alternative courses of action. May prepare notices to cure default(s), summons or complaints, voluntary surrenders, docket judgments. May request relevant financial disclosures, garnishments, account histories, etc. May attend court hearings when necessary.

Provide excellent customer service and cross sell other bank products based on need of customer.

Support the bank and the lending team by participating in community/bank sponsored events. Participate in appropriate organizations and clubs to grow professionally and develop a strong professional network. Support the bank’s Community Reinvestment Act program.

Participates in weekly loan and discount meetings.

Knowledge, Skills and Abilities:

Requirements include Associate or Bachelor’s Degree in Business, Finance or related field along with 5-7 years of positive current Ag and/or commercial lending experience. Intermediate computer skills, typing, 10-key, Word, Excel and math skills are required. Excellent problem solving skills and working knowledge of various loan products and services a must. Ability to read and analyze financial statements, ratios, and tax returns is essential as well as excellent interpersonal and verbal/written communication skills, strong attention to detail and uphold confidentiality. All Dairy State Bank employees are expected to abide by Bank policies/procedures and present a professional appearance/demeanor.

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance

Physical Setting:

• Office

Schedule:

• 8 hour shift

Education:

• Associate (Required)

Experience:

• Commercial Lending: 5 years (Required)

Work Location: In person