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Ag Lender

First Western Bank & Trust
Bismarck, ND
  • Posted: over a month ago
  • Full-Time
Job Description

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


  • Associate’s degree in business or finance related field
  • Strong understanding of financial statements and credit standards
  • Knowledge of agriculture industry preferred


  • 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.

First Western Bank & Trust


Bismarck, ND
58504 USA


Finance and Insurance

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