Ag Lender

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.