What are the responsibilities and job description for the Ag/Commercial Loan Associate position at Fidelity Bank & Trust?
Description
Summary/Objective
Solicit, analyze, evaluate and approve/deny credit applications for commercial and/or agricultural loans.
Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
1. Provide professional and courteous service to customers.
2. Interview applicants interested in obtaining commercial/agricultural loans.
3. Underwrites commercial/agricultural loans following bank policies and procedures.
4. Makes credit decisions to approve or decline loans within authorized credit limits.
5. Schedules, coordinates, and conducts loan closings.
6. Manages loans within loan portfolio.
7. Services loans in portfolio to retain high loan quality level.
8. Responsible for collection activities on loans as needed.
9. Maintain loan files with all proper loan documentation and all necessary supporting information is obtained timely and current.
10. Develops new business and expands existing relationships.
11. Participates in civic and community activities to generate visibility for the bank.
12. Maintain confidentiality of customer and bank information.
13. Maintain appropriate internal controls to protect the bank’s resources.
14. Openly communicates to all departments within the bank to determine efficiencies and improvements.
15. Responsible for maintaining compliance with all applicable law and regulations (as set forth by the Chief Compliance Officer).
16. Other duties as assigned.
Supervisory Responsibility
This position has no supervisory responsibilities.
Work Environment
This job operates in a professional office environment. This role routinely uses standard office equipment.
Requirements
74Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to stand, walk, sit, reach with arms, talk or hear and use hands to finger, handle or feel objects, tools or controls. Specific vision abilities required by this job include close vision, some distance vision, and ability to adjust focus. Some driving may be required.
Position Type/Expected Hours of Work
This is a full-time position, and typical work hours and days are Monday through Friday, 7:30 a.m. to 5:00 p.m. Some flexibility in hours is allowed, but the employee should be available during the “core” work hours of 8:00 a.m. to 4:00 p.m.
Travel
Some travel may be required for this position.
Required Education and Experience
- 2 or 4 year degree or equivalent experience.
Preferred Education and Experience
- Prior Lending Experience.
Additional Eligibility Qualifications
None required for this position.
Other Duties
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
Equal Opportunity Employer: Minorities, Women, Veterans, Disabilities.
Please view Equal Opportunity Posters provided by OFCCP/DOL here.
(https://www.dol.gov/agencies/ofccp/posters)
Fidelity Bank & Trust will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with Fidelity Bank & Trust's legal duty to furnish information.
If a reasonable accommodation is needed to complete the application process, please contact Human Resources at (563) 875-7157 and let us know how we can help.
