A Business Banker is responsible for new business development and customer retention at a bank. Analyzes a client's financial condition and recommends financial solutions. Deals only with companies and not with individuals.
Monday-Friday The Agri Business Banker role will focus on developing and managing relationships with customers in the agricultural sector, providing them with specialized financial solutions tailored to their unique needs. This role combines business development, portfolio management, and exceptional customer service. Success in this position requires a passion for agriculture, an appreciation for the challenges and opportunities facing producers, and a commitment to helping customers achieve their financial goals. The responsibilities listed below represent an overview of the position; additional duties may be assigned as business needs evolve.
Key Responsibilities:
Participate in bank business development activities and represent the bank to the public in such a manner as to enhance the reputation of the bank. Inspect farm operations and make on-site visits to monitor collateral, update projections, and appraise borrower's management ability. Performs financial analysis and reviews operating statement. Work directly with Farmer Mac and FSA on delivering flexible credit and lending solutions for the rural sector. Identify prospects in the community, build relationships, identify and understand the customers' needs, and then build solutions to help the customer's business thrive. Collaborate with internal partners to cross-sell bank products and services, including loans, deposits, treasury management, and insurance solutions. Evaluate customers' financial statements, production records, and creditworthiness to make informed lending decisions. Participate, prepare and present credit proposals to credits committees for approvals. Meet individual and team goals for growth, income, asset quality and expense control as established in budget and performance plans. Manage a $20-25 million portfolio of agriculture banking customers, ensuring their financial needs are met and risks are managed effectively. Perform regular reviews of customers' accounts and financial health. Work with customers to restructure loans and develop workout plans as needed. Assist customers with cash flow management, working capital optimization, and other financial strategies. Ensure all customers' documentation is complete, accurate, and complies with bank polices and regulatory requirements. Stay current with all agriculture banking regulations and ensure adherence to compliance standards.
Compliance Responsibilities:
Ensure all activities comply with federal and state regulations, including Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Equal Credit Opportunity Act (ECOA), and other applicable lending laws as needed in role. Adhere to Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and Customer Identification Program (CIP) requirements as needed. Maintain confidentiality of customer information and follow all privacy and security guidelines. Follow internal policies, procedures, and secondary market guidelines for loan processing and documentation.
Required Skills/Abilities:
Communication:
Demonstrates effective verbal and written communication skills.
Relationship Building:
Works collaboratively across departments and fosters strong relationships with staff, customers, and vendors. Ability to build and maintain strong customer relationships.
Customer Focus:
Provides exceptional customer service.
Teamwork:
Thrives in a collaborative environment and contributes to team success. Able to work effectively within a small team or with external partners.
Planning and Organization:
Applies solid problem-solving and decision-making skills while completing tasks accurately. Prioritizes work and adapts to shifting demands with minimal supervision.
Adaptability:
Embraces change by incorporating new ideas, processes, and procedures while maintaining a positive attitude.
Accountability:
Assumes responsibility for tasks, makes independent decisions, and demonstrates reliability.
Critical Thinking:
Identifies problems, evaluates information for accuracy and relevance, and uses sound judgment to develop and recommend solutions.
Technology:
Proficient in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint) for administrative and reporting tasks.
Attendance:
Ability to maintain regular attendance and be punctual is required to perform the essential functions of this position.
Physical Requirements:
Intermittently remain in a stationary position for extended periods of time and occasionally move objects weighing up to 25 pounds. Work is performed in a standard office environment with minimal noise.
Supervisory Responsibilities:
This job does not have any supervisory responsibilities.
Education and Experience:
Bachelor's degree in Agriculture, Business, Finance, Economics, or a related field. Five to Ten (5 -10) years of agricultural lending experience required. Equivalent combination of education and relevant experience may be considered.
License/Membership Requirements:
This job does not have any license or membership requirements. BankStar is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law. We are unable to accommodate candidates in need of work sponsorship at this time. Equal Opportunity Employer | Member FDIC
