Commercial/Ag Loan officer

TITLE:

Commercial/Ag Loan Officer

DEPARTMENT

Loan

REPORTS TO

Market President

JOB SUMMARY

The Commercial/Ag Loan Officer will be responsible for generating new business, managing a portfolio of commercial and agricultural loans and ensuring compliance with lending policies and regulations.

MAJOR RESPONSIBILITIES

• Develop and maintain relationships with new and existing Commercial and Agricultural customers to understand their financial needs and objectives.
• Communicate with customers to explain loan products, terms and conditions.
• Analyze financial statements, credit reports and other relevant information to assess the creditworthiness of loan applicants.
• Structure and present loan proposals to the Loan Committee for approval.
• Negotiate loan terms and conditions with customers, ensuring alignment with company policies and Risk Management.
• Monitor the performance of the loan portfolio, identify and address any potential risks or delinquencies.
• Stay informed about market trends, industry developments and competitor offerings to identify new business opportunities.
• Develop new business by calling on existing and potential customers. Cross-selling Bank services as appropriate.
• Additional duties may be assigned from time to time which are deemed to be within the employee's capabilities.

Community Involvement & Collaboration Represent the Bank positively within the local community through participation in branch-level events and activities. Support community outreach efforts and reinforce the Bank's commitment to local relationships.

PREFERRED SKILLS

• Ability to exercise sound judgment and to observe the highest degree of confidentiality in the handling of information.
• Strong understanding of Commercial and Ag lending products, credit analysis and risk assessment.
• Excellent interpersonal and communication skills, with the ability to build and maintain strong customer relationships.
• Thorough understanding of Bank products and services.
• Professional demeanor in appearance, interpersonal relations, work ethic and attitude.
• Ability to adhere to Bank policies and procedures.

QUALIFICATIONS

• Bachelor's degree in a business field of study.
• 3 - 7 years experience in commercial and or agricultural lending.

PHYSICAL REQUIREMENTS

• Ability to sit for extended periods of time.
• Occasional lifting of files or materials up to 20 lbs.
• Ability to review detailed documentation on computer screens.

Job Type:

Full-time Benefits:

401(k) matching Dental insurance Employee assistance program Flexible spending account Health insurance Health savings account Life insurance Paid time off Referral program Vision insurance

Compensation Package:

Bonus opportunities Ability to

Relocate:

Devils Lake, ND 58301: Relocate before starting work (Required)

Work Location:

In person