Commercial AG Loan Officer

Company: UNION Savings BANK
Location: Mount Morris
Posted on: May 22, 2023

Job Description:

Summary:Interviews applicants and obtains necessary financial information. Analyzes and screens loan requests on all types of Agricultural commercial loans. Packages loans as required, negotiates terms and conditions with the borrower. Recommends terms and conditions of loans for approval. Makes final credit decisions within Loan Policy approval guidelines. Informs prospective borrowers of loan commitments. Works with borrowers to keep loans current. Responsible to regulatory agencies and external auditors to ensure compliance with banking regulations. Participates in bank management activities. Promotes the financial institution and its services.Essential functions.Supports internal and external customers at every touch point including phone, email, text, online and in-person interactions to resolve questions and concerns. Builds relationships by communicating with professionalism and empathy. Takes ownership of the customer experience by combining agricultural and business knowledge with understanding of each customer's current financial situation with a focus on positive outcomes and resolution.Originates ag and commercial loans while meeting individual sales goals and contributing to bank sales goals.Inspect farm operations, analyzing the use of labor management and capital, and developing projections used to extend credit.Reviews and analyzes credit prior to submission to loan committee or Board of Directors for approval.Ensures financial institution compliance with laws, rules, and regulations governing operations and product offerings. Coordinates the development or revisions of policies, procedures, and agreements to ensure compliance with regulatory process. Ensures that deviations from policy are corrected and reported.Develop and mentor upcoming commercial lenders within the agricultural market.Participate in product development to meet agricultural market segment.Participate in agricultural associates and serve as a representative of the bank in community affairs to increase the Bank's visibility and to enhance new and existing business opportunities.Education and Experience:Bachelor's degree preferred and minimum of five years of related work experience.Knowledge of lending policies and procedures, secondary marketing programs, and state/federal regulations.Strong financial, analytical, and underwriting skills.Proven track record of consistently exceeding established sales goals.Skills/Abilities:Proficient in working with customers to assess their needs, provide information or assistance, resolve their problems to exceed their expectations. Has strong knowledge of state and federal regulations, consumer lending operations, policies, procedures, products and services. Maintains a strong internal and external customer focus, including the ability to think in terms of client experience/prospective.Displays positive attitude and enthusiastic personality with the ability to foster enthusiasm, engagement, and participation in various training and meeting settings. Encourages and facilitates cooperation, pride, trust, and group identity; fosters commitment and team sprit; works well with others to achieve goals, putting the team's success above own interests. Knowledge of showing, promoting, and selling products and services; meets sales goals.Good communicator. Effective verbal, written and interpersonal skills, including public speaking skills and the ability to lead group presentations. Listens to others; facilitates and is open to exchange of ideas. Develops and maintains effective relationships with others.Consistently contributes to maintaining the integrity of the organization; displays high standards of ethical conduct and understands the impact of violating these standards on the organization, self and others; is trustworthy. Is sensitive to cultural diversity, race, gender, disabilities, and other individual differences.Proficient in managing and resolving conflict with tact and diplomacy. Maintains a professional, friendly and positive attitude. Balances and meets the needs of customers; achieves quality results and is committed to continuous improvement of service; is committed to quality customer care.Is self-motivated and results-oriented; displays a high level of initiative, effort, and commitment towards goals; works with minimal supervision, is motivated to achieve; demonstrates responsible behavior.Strong ability to problem solve. Makes sound and well-informed decisions; perceives the impact and implications of decisions; commits to action, even in uncertain situations, in order to accomplish individual, team and organizational goals.Advanced computer skills and strong math skills that will allow for analysis of credit and financial information.Ability to meet deadlines, balancing multiple priorities, and functions well under pressure. Strong organizational and time management skills.

Keywords: UNION Savings BANK, Rockford , Commercial AG Loan Officer, Other , Mount Morris, Illinois