Agricultural Commercial Banking Officer


  • Bachelor’s degree in Accounting, Finance, Business with an agricultural background.
  • Minimum 5 years’ experience in commercial lending and portfolio management.
  • Knowledge of credit underwriting, policies and procedures.
  • Knowledge of FSA/USDA programs.
  • Demonstrated financial analysis skills.
  • Excellent oral and written communication skills.
  • Strong organizational skills and ability to manage multiple projects and meet deadlines.
  • Formal credit training and sales skill training, preferred.
  • Computer skills including use of Microsoft Word and Excel.


  • Manage an existing portfolio of agricultural credit relationships.
  • Develop new banking relationships and lending relationship within the Bank’s established credit and pricing policies.
  • Achieve assigned goals in agreement with the Bank’s mission statements.
  • Approve, document and close loans up to established individual lending limit. Make loan presentations to market manager/senior management for loans above individual lending limit.
  • Develop new business by actively calling on prospects and customers to sell bank services.
  • Participate in the community to increase the Bank’s visibility and enhance business development opportunities.
  • Interview loan applicants for agricultural loans. Collect and analyze financial information to determine the creditworthiness of the applicant and the merits of the request.
  • Negotiate terms under which credit will be extended, within the parameters of the established credit and pricing policies and with assistance of senior management when appropriate or needed.
  • Monitor existing loan portfolio, collecting necessary information to analyze the current creditworthiness of customers.
  • Monitor loan repayment and take necessary action to collect from delinquent accounts.
  • Understand and comply with Bank mission, organizational structure, employee handbook, bank security, policies and procedures, standards of conduct and incentive program.
  • Other duties as needed or assigned.

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