This position is responsible for developing and maintaining a portfolio of agricultural loan accounts. Makes loans the individuals, partnerships and corporations engaged in agricultural production. Analyzes loan applications, audits loan files, services existing loans, and counsels customers in an effort to reduce delinquencies and meet departmental goals for increasing loan volume. Aggressively sells and promotes all bank services in such a way as to enhance bank earnings and the bank’s image within the community.

ESSENTIAL DUTIES

  • Ability to read, analyze, and interpret financial reports, professional journals, and governmental regulations.
  • Strong writing skills to compose moderately complex correspondence and reports.
  • Strong verbal skills to effectively present information to customers, employee,s and managers in one-on-one and small group situations.
  • Ability to calculate amounts such as interest, discounts, and percentages and interpret complex financial reports.
  • Comprehend and understand bank operations, policies (manuals), and procedures.
  • Independent judgment to recognize and maintain confidential information.
  • Ability to explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
  • Understand and apply standard agricultural production and marketing concepts and principles.
  • Approve within delegated authority loan structures pricing and conditions on loan transactions.
  • Recognize and resolve a wide variety of practical problems involving common sense judgment, tact, and on-the-spot decision.
  • Problem-solving skills to define problems, collect data, establish facts, and draw valid conclusions.
  • Interpersonal skills to deal effectively with customers, employees, and managers.
  • Organizational skills to prioritize responsibilities and meet deadlines in an orderly, productive manner.
  • Customer service and collection skills to handle situations which require assertiveness and discretion.
  • Computer skills in word processing, spreadsheet, and database software to generate correspondence and reports.

SECONDARY DUTIES

  • Participates in bank-wide committee and branch-level meetings when requested.
  • Assist senior management in development of bank manuals and operational procedures in an effort to accomplish the bank’s strategic directives.
  • Keeps abreast of regulatory compliance and developments for assigned area and informs bank staff of same. Recommends procedural changes as needed to support prescribed requirements.
  • Maintain educational and professional expertise through attendance at job-related seminars, conferences, and workshops.
  • Participates in bank community service and team building events.
  • Perform any and all other additional duties as may be assigned.

MINIMUM REQUIREMENTS

  • A bachelor’s degree with a major in agriculture is required; or an equivalent combination of Ag education/experience/knowledge in lieu of the degree.
  • Experience with FSA Guaranteed Loans.
  • Three or more years working as an Ag Lender.
  • Knowledge and practice of customer service principles including advanced sales skills.
  • Relevant computer skills.
  • Strong reading, writing, numerical ability, communication, and problem solving skills.
  • Customer service oriented.
  • Accurate and attentive to detail.
  • Ability to manage time effectively and efficiently.
  • Must be honest and able to work independently and in a team environment.
  • Ability to multi-task and handle stressful situations.

Interested applicants should contact Jasmine Gross at jgross@csbloyal.com to learn more.

SUMMARY
Management of the loan department including development and communication of policies and procedures, and overall responsibility for the growth and quality of loan portfolio. Also responsible for functions associated with the credit risk management of the bank. This position will be responsible for identifying and understanding developing trends and providing a thorough, independent assessment of a borrower’s capacity to withstand the risks posed by those trends through the preparation of written, in-depth analyses of business, management, and industry factors. A primary component of this role will involve the exercise of independent judgement and discretion on matters pertaining to the identification and management of the credit risk and quality of the bank’s loan portfolio. Member of senior management team tasked with the responsibility of leading the bank in the absence of the CEO.

ESSENTIAL DUTIES

  • Participates, in cooperation with the CEO and Board, in the development and recommendation of loan objectives, policies and
    practices. Is a member and Chair of the bank’s Internal Loan Committee and is an ex-officio member of the Board Loan Committee.
  • Evaluates the loan portfolio, analyzes trends, and provides regular reports to the CEO and Board of Directors on a regular basis. Reviews approved loans and delinquency reports to ensure that policies and practices are being followed. Studies problems and recommends changes in present loan policies and practices. Keeps abreast of all regulatory issues and makes sure the bank is in compliance.
  • Develops and maintains a high-quality loan portfolio of commercial loans.
  • Oversees the development and growth of the bank’s loan portfolio, including commercial, agricultural, residential, consumer and municipal loans in order to meet the bank’s goals and objectives. Oversees the bank’s secondary-market loan sales program.
  • Provides advice, guidance, and loan services to loan officers and other department personnel on matters including credit analysis, evaluation of financial statements and credit information, and collection of overdue loans. Provides advice and guidance to officers engaged in loan activities with the goal of growing and high-quality loan portfolio. Ensures proper training of personnel to maintain adequate records for audits and regulatory reports.
  • Keeps abreast of current and competitive rates and incorporates such into maintaining a reasonable profit. Member of the bank’s Asset-Liability Committee with responsibility to work with
  • Committee and CEO on overall profitability and interest-rate risk of the bank’s loan portfolio.
  • Serves as Executive Vice-President with responsibility to lead all bank activities in the absence of the CEO. Participates with senior management team and Board of Directors with the development and execution of the bank’s Strategic Plan and annual budget.
  • Actively participates in local community events and service/business organizations.

ENVIRONMENT AND PHYSICAL ACTIVITY
The physical and work environment characteristics described in this job description are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations will be made to enable individuals with disabilities to perform the essential functions or as otherwise required by law. Employees needing reasonable accommodations should discuss the request with the employee’s supervisor or human resources.

This work requires the occasional exertion of up to 10 pounds of forces; work requires sitting, frequently requires standing. Work has standard vision requirements. Work requires preparing and analyzing written or computer data and observing general surroundings and activities.

MINIMUM REQUIREMENTS

  • A bachelor’s degree with a minimum of ten years in the lending field with emphasis on commercial lending.
  • Advanced degree in business or Graduate School of Banking a plus.
  • Understanding of banking regulations and procedures.
  • Experience with correspondent lending, residential real estate and construction loans.
  • Analytical and problem-solving skills.
  • Advanced management/supervisory/customer service skills.
  • Proficient with oral and written communication skills.

Acknowledgement: This job description is not intended and should not be construed to be an all-inclusive list of responsibilities, skills, efforts or working conditions associated with this position. While this job description is intended to be an accurate reflection of the job requirement, management reserves the right to modify, add or remove duties from particular jobs and to assign other duties as necessary.

Interested applicants should contact Jasmine Gross at jgross@csbloyal.com to learn more.