Job Description

JOB SUMMARY: The Commercial/Ag Loan Officer will be responsible for generating new business, managing a portfolio of commercial and agricultural loans and ensuring compliance with lending policies and regulations. 

MAJOR RESPONSIBILITIES:

• Develop and maintain relationships with new and existing Commercial and Agricultural customers to understand their financial needs and objectives.
• Communicate with customers to explain loan products, terms and conditions. 
• Analyze financial statements, credit reports and other relevant information to assess the creditworthiness of loan applicants.
• Structure and present loan proposals to the Loan Committee for approval.
• Negotiate loan terms and conditions with customers, ensuring alignment with company policies and Risk Management. 
• Monitor the performance of the loan portfolio, identify and address any potential risks or delinquencies.
• Stay informed about market trends, industry developments and competitor offerings to identify new business opportunities.
• Develop new business by calling on existing and potential customers. Actively participate in community affairs. Cross-selling Bank services as appropriate.
• Additional duties may be assigned from time to time which are deemed to be within the employee's capabilities.

CORE RESPONSIBILITIES:

• Ability to exercise sound judgment and to observe the highest degree of confidentiality in the handling of information.
• Strong understanding of Commercial and Ag lending products, credit analysis and risk assessment. 
• Excellent interpersonal and communication skills, with the ability to build and maintain strong customer relationships.
• Thorough understanding of Bank products and services.
• Professional demeanor in appearance, interpersonal relations, work ethic and attitude.
• Ability to adhere to Bank policies and procedures.

QUALIFICATIONS & STANDARDS: Bachelor’s degree in a business field of study and 5+ years of experience. 

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