Commercial\/Ag Banking Officer

Job Description

POSITION SUMMARY

The Commercial Banking Officer is responsible for the business development efforts within an assigned market area, culminating in the creation of new or enhanced deposit relationships and is able to produce and maintain a large portfolio of loan business. Accountable for the evaluation and recommendation of approval for commercial loans.

ESSENTIAL DUTIES AND RESPONSIBILITIES

The essential functions include, but are not limited to the following:

Portfolio Growth & Referrals 40%

• Seek out prospective business/corporate clients and actively solicit high quality new loan business as well as new deposit relationships.
• Participate in community affairs to increase banks visibility and to enhance new and existing business opportunities.
• Achieve individual and department sales goals through new business sales, referrals, and retention of account relationships.
• Proactively cross-sell additional products through referrals and outbound calling with the goal of building rapport and life-long relationships with Bank customers.
• Analyze potential commercial loan markets to develop prospects for loans.
• Maintain current knowledge of financial markets, trends, and technology.

Lending & Customer Service 30%

• Meet with business/corporate clients, actively listen to their needs and goals, and propose recommendations and service action.
• Demonstrate personal commitment to excellence in sales and service to customers and other employees.
• Refer any customer questions regarding products or service to the appropriate person.
• Handle customer complaints and take appropriate action to resolve them.
• Stay abreast of new types of loans, treasury management products, and other financial services and products to better meet customers' needs.
• Negotiate payment arrangements with customers who have delinquent loans.
• Prepare repots to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.

Loan Operations 20%

• Analyze applicants' financial statue, credit, and property evaluations to determine feasibility of granting loans.
• Obtain and compile copies of loan applicants credit histories, corporate financial statements, and other financial information.
• Ensure loan agreements are complete and accurate according to policies, procedures, and standards.
• Approve loans within specified limits and refer loan applications outside those limits to management for approval.
• Service loan portfolio to ensure compliance with loan policy, approval conditions, and approved financing plans.
• Correspond with or interview applicant or creditors to resolve questions regarding application information.
• Conduct on-site inspections at customer locations to determine customer products.

Other 10%

• Provides guidance to the credit department and/or less seasoned lenders in the development and analysis of financial background data for new or renewed loans.
• Develop strong professional relationship with members of the bank's other departments, as well as external representatives.
• Perform all other duties as assigned.

SKILLS AND ABILITIES

• Ability to learn and use the Bank's PC hardware and software; in addition to being proficient in Microsoft Office products, including, but not limited to: Word, Excel, and Outlook.

• Contribute to a work environment that fosters pride in being part of a winning team and promotes personal growth.
• Ability to perform basic math; compute rate, ratio, and percent; draw and interpret bar graphs.
• Ability to read, write and comprehend simple instructions, correspondence, and memos.
• Effectively present information in a one-on-one and small group situation to customers and other employees.
• Interpret documents such as procedure manuals, work instructions, software manuals, entity documents, security agreements, real estate mortgages, and other commercial loan documents.
• Demonstrate strong oral/communication, organization, attention to detail and problem-solving skills.

• Ability to work in a team environment and take direction from management and supervisors.
• Ability to effectively manage one's time to complete work according to established deadlines. The ability to prioritize tasks and use time efficiently.
• Ability to adjust quickly to different work situations; remain composed under pressure and in stressful situations.
• Regard for important details to assure accuracy in every transaction performed, detect errors, and follow through on corrections and detail.
• Responsible for knowing and following Bank Security Act (BSA) and Customer Identification Program (CIP) regulations, policies, and procedures.
• Must have flexibility to deal with changing work hours.

REQUIREMENTS

Customer Service

• Exceed expectations, build lifetime relationships, and help our customers achieve financial success.
• Maintain a high level of confidentiality with regards to customer information at all times.
• Serve customers and give them the same thoughtful treatment that you would like to receive.
• Exercise judgment and tact while working with customers or co-workers.

Culture

• Actively upholds the Company's vision, mission, and values, encompassing mutual respect for customers and co-workers, honoring commitments, working with integrity, and accepting responsibility for own actions.
• Contribute to a work environment that fosters pride in being part of a winning team and positive team atmosphere which promotes continuous improvement and personal growth.
• Comply with rules and regulations, adjust to change, and promote the best interests of the Company.

Community

• Participation in community involvement is encouraged. This involvement can include professional, civic and community groups.

Financial Responsibility

• Keep personal finances in order, to properly help manage the financial affairs of others.

Dress Code

• Meet all dress and grooming expectations in support of a professional, clean, and welcoming environment.
• Standards must be met and maintained throughout employment.

EDUCATION & EXPERIENCE

• Bachelor's degree required or equivalent work experience
• Minimum of two (2) years of experience in similar job duties