Summary
To originate, underwrite, and close commercial and Ag loans. Develop and cultivate long-term customer relationships. Manage risk by ensuring compliance with lending policies, corporate policies and government laws and regulations. Demonstrate appropriate sales behaviors.

Typical Job Entry Requirements

• Bachelor’s degree in Business Administration, Finance, Economics, or Accounting preferred, but not required.
• Minimum 5 plus years prior experience in commercial lending, knowledge of all facets of commercial lending.
• Proven experience demonstrating the development of customer relationships, the cultivation of referral sources, and the development of new account relationships.
• Demonstrated ability to exceed sales goals. Proficient in sales and service techniques: including teleconsulting, closing a sale, proactive selling, networking, and cold calling.
• Excellent problem solving and interpersonal skills.
• Strong written and oral communication skills.
• Must be able to work in a time sensitive environment, working varied hours in a flexible schedule.

PRIMARY ACTIVITIES:

• Loan origination – provide information to the applicant regarding bank policy, complying with all and regulations, and to obtain explicit and sufficient verifiable information for a final qualified approval or denial decision.
• Loan underwriting – review applications and appropriate documentation for a loan approval or denial decision including analyzing all pertinent financial data and evaluating the adequacy of any collateral. Determine appropriate loan structure.
• Loan closing – carry out all transactions, from commitment to the signing and consummation, necessary to comply with all laws and regulations, all requirements necessary to secure any collateral being pledged.
• Monitor Bank procedures to ensure proper attachment and perfection of collateral as required under Bank policy.
• Represent the organization with customers, the financial community and the public
• Cross-sell additional banking products when appropriate.
• assist customers in making appropriate buying decisions
• demonstrates appropriate knowledge of features and benefits of all accounts
• Develop and maintain a loan portfolio referral system for qualified customers.
• Develop and expand customer call plans for assigned client base and for prospective clients.
• Review business trends and advise clients regarding expected fluctuations and economic changes.
• Conduct sales presentations to existing and potential clients.
• Maintain active and up-to-date customer files for assigned clients and prospective clients.
• Perform other related duties as required or assigned.