Ag Loan Officer

United Bank of Iowa; Glidden Township (IA); On-site; USD 55,000 - 85,000; Full time

Job summary

United Bank of Iowa seeks an agricultural loan officer to develop and maintain a portfolio of farming-related credit accounts. You will analyze loan applications, audit files, service existing loans, and advise customers to reduce delinquencies and grow loan volume.

Responsibilities include promoting bank services, applying agricultural production and marketing concepts, and maintaining thorough documentation while adhering to internal policies and regulatory requirements.

Qualifications

• Bachelor of Science or Arts in agriculture or related field or 2-4 years related experience.
• Equivalent combination of education, training and experience accepted.
• Ability to read and interpret financial information and reports.

Responsibilities

• Develop and maintain a portfolio of agricultural loan accounts.
• Analyze loan applications and audit loan files.
• Service existing loans and counsel customers.
• Promote bank services to increase loan volume and earnings.

Skills

Financial analysis

Writing skills

Verbal communication

Customer service

Interpersonal skills

Education

BS/BA in agriculture

Tools

Credit analysis software

Job description

This position is responsible for developing and maintaining a portfolio of agricultural loan accounts. Makes loans to individuals, partnerships, cooperatives, and corporations engaged in agricultural production. Analyzes loan applications, audits loan files, services existing loans, and counsels customers in an effort to reduce delinquencies and meet departmental goals for increasing loan volume. Aggressively sells and promotes all bank services in such a way as to enhance bank earnings and the bank's image within the community.

Education / Training / Experience:

Bachelor of Science or Arts degree with a major in agriculture or related field; or 2–4 years related experience and/or training; or equivalent combination of education, training, and experience.

Language Skills:

Ability to read, analyze, and interpret financial reports, professional journals, and governmental regulations.

Strong writing skills to compose moderately complex correspondence and reports.

Strong verbal skills to effectively present information to customers, employees and top managers in one-on-one and small group situations.

Mathematical Skills:

Ability to calculate amounts such as interest, discounts, and percentages and interpret complex financial reports.

Reasoning Ability:

Comprehend and understand bank operations, policies (manuals) and procedures.

Independent judgment to recognize and maintain confidential information.

Understand and apply standard agricultural production and marketing concepts and principles.

Recognize and resolve a wide variety of practical problems involving common sense judgment, tact, and on-the-spot decisions.

Other Skills:

Problem‑solving skills to define problems, collect data, establish facts, and draw valid conclusions.

Interpersonal skills to deal effectively with customers, employees, and top managers.

Organizational skills to prioritize responsibilities and meet deadlines in an orderly, productive manner.

Customer service and collection skills to handle situations which require assertiveness and discretion.

Computer skills in word processing, spreadsheet and database software to generate correspondence and reports.

Certificates, Licenses, Registrations:

Credit insurance license from the State of Iowa.

Schedule:

Monday – Friday: 8:00am – 5:00pm

MUST HAVE SATISFACTORY BACKGROUND CHECK INCLUDING CREDIT HISTORY