Agricultural Business Loan Officer

Kingston National Bank; Kingston Township (OH); Sur place; USD 70 000 - 120 000; Plein temps

Résumé du poste

Kingston National Bank is seeking an Agricultural Business Loan Officer to develop and manage a growing portfolio of agricultural and agribusiness lending relationships across the bank's market areas. You will assess credit requests, structure loans, and provide trusted financial guidance while ensuring compliance with bank policies.

The role emphasizes relationship development, proactive business development, and managing risk through thorough financial analysis and market knowledge.

Qualifications

• Bachelor’s degree in Ag Business, Accounting, Economics, Finance, or Business Administration.
• Minimum 3–5 years of Agricultural or commercial lending experience.
• Strong financial analysis and credit risk assessment.
• Excellent interpersonal and client relationship skills.
• Proficiency with lending software and MS Office.
• Knowledge of banking regulations and policies.

Responsabilités

• Develop and maintain relationships with agricultural producers, farm operations, agribusinesses, and rural businesses.
• Proactively identify and pursue new lending opportunities.
• Serve as primary contact for agricultural borrowers and provide ongoing guidance.
• Conduct regular farm and business visits to assess operations.
• Cross-sell bank products and services.
• Represent the bank at agricultural events and community functions.
• Perform initial evaluations of loan requests using financial data.
• Structure credits including operating lines, equipment loans, real estate financing.
• Prepare loan presentations for approval.
• Monitor borrower performance and manage risk.
• Maintain borrower information and documentation.
• Assist in delinquent loans and workouts.

Connaissances

Agricultural lending

Credit analysis

Loan structuring

Financial analysis

Relationship building

Formation

Bachelor’s degree in Ag Business, Accounting, Economics, Finance, or Business Administration

Outils

Lending software

Description du poste

EOE Statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.

Category Lending

Full-Time/Part-Time Full-Time

Location Kingston

Position Agricultural Business Loan Officer

Description

Agricultural Business Loan Officer

Summary

The Agricultural Business Loan Officer is responsible for developing, managing, and growing a portfolio of agricultural and agribusiness lending relationships in the Fairfield, Knox, and Licking County areas. This position serves as a trusted financial advisor to farmers, agricultural producers, and agribusiness customers by providing customized lending solutions and exceptional customer service. The Agricultural Business Loan Officer actively identifies new business opportunities, analyzes credit requests, manages loan risk, and contributes to the growth and profitability of the bank's agricultural lending portfolio while maintaining compliance with bank policies and regulatory requirements. This position plays a key role in strengthening the bank's commitment to serving the agricultural community and supporting the economic vitality of the rural markets it serves.

Essential Functions

Business Development & Relationship Management

• Develop and maintain strong relationships with agricultural producers, farm operations, agribusinesses, and rural businesses throughout the bank's market area.
• Proactively identify and pursue new lending opportunities through networking, referrals, community involvement, and industry events.
• Serve as the primary point of contact for agricultural borrowers and provide ongoing financial guidance and support.
• Conduct regular farm and business visits to assess operations, understand customer needs, and strengthen relationships.
• Cross-sell bank products and services including deposit accounts, treasury management, cash management, and other financial solutions.
• Represent the bank at agricultural events, farm bureau meetings, and community functions.

Credit Analysis & Loan Underwriting

• Perform initial evaluations of agricultural and commercial loan requests using financial statements, tax returns, production records, cash flow projections, collateral values, and repayment capacity.
• Structure credit appropriate to the customer's operation, including operating lines, equipment loans, real estate financing, livestock financing, and agribusiness loans.
• Prepare complete and accurate loan presentations for approval in accordance with bank lending policies.
• Assess agricultural risk factors including commodity prices, weather conditions, production cycles, and market trends.
• Ensure all loan documentation is complete and complies with bank policy and applicable regulations.

Portfolio Management

• Manage an assigned agricultural loan portfolio while maintaining acceptable risk levels and strong asset quality.
• Monitor borrower performance through ongoing financial review and annual credit reviews.
• Identify and address emerging credit concerns proactively.
• Maintain accurate borrower information, financial records, and relationship documentation.
• Work with management and customers to develop strategies for minimizing credit risk and improving borrower performance.
• Assist in managing delinquent loans and workout situations when necessary.

Other Duties

• Please note this is not a comprehensive listing of activities, duties or responsibilities that are required of the employee. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice.

Education and Experience

• Bachelor’s degree in Ag Business, Accounting, Economics, Finance, or Business Administration.
• Minimum of three to five years of Agricultural lending, commercial lending, or related financial services experience require

Skills and Abilities

• Knowledge of agricultural lending principles, credit analysis, and loan structuring.
• Understanding of crop production, livestock operations, farmland valuation, and agribusiness operations.
• Strong financial analysis and problem-solving skills.
• Excellent interpersonal, communication, and relationship-building abilities.
• Strong sales and business development skills.
• Proficiency with lending software, financial analysis tools, and Microsoft Office applications.
• Ability to interpret and apply banking regulations and policies.

Travel Requirements

• Frequent local travel is required to meet with agricultural borrowers, prospective customers, and referral sources, as well as to conduct on-site farm and business visits. Travel within the Bank's market area is expected, with occasional attendance at industry events, training programs, and meetings. Reliable transportation and a valid driver's license are required.

Position Requirements

This position is currently accepting applications.