Agricultural Banking & Lending Specialist

First Western Bank & Trust; Sioux Falls (SD); On-site; USD 90,000 - 120,000; Full time

Job summary

First Western Bank & Trust is seeking an on-site Ag Banker to develop new agricultural loan business and service a growing portfolio in Sioux Falls or Harrisburg, SD. The role focuses on meeting customer needs, structuring loans, and representing the bank at local agriculture meetings.

The position requires five years of lending experience, solid credit skills, and knowledge of the agriculture sector. It is an on-site, full-time role supporting community banking in SD.

Qualifications

• Five years’ experience in bank lending, loan review, compliance, or finance.
• Strong understanding of financial statements and credit standards.
• Knowledge of agriculture industry preferred.

Responsibilities

• Develop new agricultural loan business through securing, structuring, and closing loans, as well as maintain and service existing Ag lending portfolio.
• Conduct sales calls and meet with prospective and existing customers to establish new loan business.
• Represent the bank in local community and at agriculture meetings and events to market the bank’s products, services, and expertise.
• Administer individual loan portfolio including agriculture, agri-business, and other assigned loans.
• Manage all new loan relationships and assigned relationships.
• Service all performing and non-performing loans within individual loan portfolio.
• Interview loan customers to determine lending needs.
• Work with the Farm Service Agency, Small Business Administration, and Bank of North Dakota to qualify customers for available lending programs.
• Negotiate direct lending terms as well as collateral and payment structures.
• Meet with customers to request information for loan applications, credit reports, background checks, and other information needed for loan evaluation.
• Compile financial information including income tax records, balance sheets, annual cash flow budgets, and other data to create loan spreads.
• Analyze applicant financial status and conduct collateral evaluations to make lending decisions.
• Approve credits up to authorized lending limit and prepare those that exceed limits for loan committee and/or Board approval.

Skills

Building Relationships

Business Judgment

Communication

Customer Focus

Emotional Intelligence

Interpersonal Skills

Negotiation

Persuasiveness

Problem-Solving

Resilience

Teamwork

Time Management

Willingness to Learn

Technology

Tools

Microsoft Office

Job description

First Western Bank & Trust is seeking an on-site Ag Banker to develop new agricultural loan business and service a growing portfolio in Sioux Falls or Harrisburg, SD. The role focuses on meeting customer needs, structuring loans, and representing the bank at local agriculture meetings.

The position requires five years of lending experience, solid credit skills, and knowledge of the agriculture sector. It is an on-site, full-time role supporting community banking in SD.