Job description
Our team offers great benefits including: paid vacation, holidays and sick leave; health and dental insurance; 401k with matching contributions; volunteer paid time off; banking benefits; and more! This is a great opportunity for the right candidate.
Position Overview
Develop new agricultural loan business for First Western Bank & Trust through securing, structuring, and closing loans, as well as maintain and service existing Ag lending portfolio
Essential Job Functions
- Conduct sales calls and meet with prospective and existing customers to establish new loan business
- Represent the bank in local community and at agriculture meetings and events to market the bank’s products, services and expertise
- Administer individual loan portfolio including agriculture, agri-business, and other assigned loans
- Interview loan customers to determine lending needs
- Work with the Farm Service Agency, Small Business Administration and Bank of North Dakota to qualify customers for available lending programs
- Negotiate direct lending terms as well as collateral and payment structures
- Meet with customers to request information for loan applications, credit reports, background checks and other information needed for loan evaluation
- Compile financial information including income tax records, balance sheets, annual cash flow budgets, and other data to create loan spreads
- Analyze applicant financial status and conduct collateral evaluations to make lending decisions
- Approve credits up to authorized lending limit and prepare those that exceed limits for loan committee and/or Board approval
- Assemble and maintain complete loan files
- Conduct loan reviews on existing customers annually
- Maintain customer relationships through regular communication and follow up contact
- Review loan reports to determine the status of payment and work with customers to collect outstanding balances
- Ensure compliance with banking laws, regulations and the Bank’s policies and procedures, including Bank Secrecy Act
- Maintain continuing education related to regulatory standards
Other Duties
- Conduct site visits and collateral inspections as necessary
- Solicit hail insurance and sell policies
- Cross-sell customers to other banking products and services
- Other duties, responsibilities and activities may be assigned with or without notice
Qualifications
- Associate’s degree in business or finance related field
- Strong understanding of financial statements and credit standards
- Knowledge of agriculture industry preferred
Skills/Abilities
- Excellent oral and written communications skills
- Demonstrate professionalism in working with the public and all levels of management
- Ability to define problems, facts and draw valid conclusions
- Strong analytical, problem solving and decision-making skills
- Computer proficiency, especially in Microsoft Excel
First Western Bank & Trust is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or national origin.
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