Ag / Commercial Loan Officer

1hbank; Seneca (KS); On-site; USD 55,000 - 85,000; Full time

Job summary

A community bank in northeast Kansas is seeking an Ag/Commercial Loan Officer to join their team. The ideal candidate will have experience in agricultural/commercial lending and a college degree. Responsibilities include evaluating creditworthiness, preparing loan documents, and maintaining borrower files. This position offers training opportunities and a competitive salary. Interested applicants should send their resumes to the contact person provided.

Qualifications

• Two plus years of experience in an ag-related field.
• Familiarity with direct/indirect lending products.
• College degree with training/continuing education opportunities provided by the bank.

Responsibilities

• Call on current and prospective borrowers.
• Evaluate credit worthiness of borrowers.
• Interview loan applicants and determine loan eligibility.
• Prepare loan projections and presentations.
• Complete loan documents and counsel clients.
• Maintain borrower credit files and inspect collateral when needed.
• Assess customer needs and explore financing options to fit borrower needs.
• Develop referral networks and cross-sell bank products and services.
• Build trust, customer loyalty and satisfaction; go the extra mile.

Skills

Agricultural lending background

Business/analytical experience

Excellent communication skills

Customer satisfaction orientation

Sales competencies

Customer service

Education

BS degree in ag finance, ag economics or an ag related field

Tools

Microsoft Office

Banking applications/software

Job description

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Ag/Commercial Loan Officer

First Heritage Bank, a $275M multi-branch community bank, is seeking anag/commercial loan officer for its locations in northeast Kansas. FHB is seeking anindividual with an agricultural/commercial lending background and business/analyticalexperience. First Heritage Bank is willing to provide training and continuing educationfor an individual with a college degree and two plus years of experience in an ag-relatedfield. Salary and position commensurate with the experience and background of theapplicant.

Responsibilities

• Call on current and prospective borrowers
• Evaluate credit worthiness of borrowers
• Interview loan applicants and obtain necessary information to determine loan eligibility
• Prepare projections and presentations for loan prospects
• Complete loan documents and counsel clients on policies and restrictions
• Maintain borrower credit files and make inspections of collateral where necessary
• Assess customer needs, explore various financing options to place borrower in aloan product and/or other banking product(s) that best fit their needs
• Develop referral networks and cross-sell bank products and services
• Go the “extra mile” to build trust relationships, customer loyalty and satisfaction
• Operate in compliance with the banks policies, banking laws and regulations andadhere to lending compliance guidelines
• Other responsibilites as assigned and required by the bank

Preferred Experience

• Work experience as an agricultural/commercial loan officer or an ag related field.
• Familiarity with Microsoft Office and banking applications/software
• Solid understanding of direct/indirect lending products and practices
• Excellent communication and interpersonal skills
• Customer satisfaction orientation and sales competencies
• BS degree in ag finance, ag economics or an ag related field

First Heritage Bank is an Equal Opportunity Employer

Please send resume to:

Nicholas C. Hrencher, Regional President
First Heritage Bank
P.O. Box 188
Seneca, KS 66538

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