Agricultural Loan Officer

First Mid Bancshares, Inc.; Mount Pleasant (IA); Sur place; USD 70 000 - 110 000; Plein temps

Avantages offerts par ce poste

Healthcare benefits

401(k) with employer match

Employee Stock Purchase Plan

Generous PTO & holidays

Tuition reimbursement

Performance-based bonuses

Résumé du poste

First Mid Bancshares, Inc. in Iowa seeks an Agricultural Lender to develop and manage loan relationships with farmers, producers, and agribusinesses while assessing credit risk and structuring loans.

You will travel to farm and business sites, analyze financial statements and cash flows to determine repayment capacity, and collaborate with Credit Administration to ensure portfolio quality. This role offers comprehensive benefits and Total Rewards.

Qualifications

• Bachelor’s degree in a related field and 3+ years of agricultural or commercial lending experience.
• Strong credit analysis, portfolio management, and risk assessment skills.
• Excellent interpersonal skills to build farmer and agribusiness relationships.

Responsabilités

• Manage and grow an agricultural loan portfolio with focus on asset quality.
• Develop relationships with farmers, producers, and agribusinesses to expand loans and deposits.
• Conduct site visits to evaluate operations and collateral conditions.
• Analyze financial statements and cash flows to determine repayment capacity.
• Cross-sell bank products and services to customers.
• Prepare loan approvals and coordinate with Credit Administration.

Connaissances

Agricultural lending knowledge

Credit analysis

Relationship management

Portfolio management

Formation

Bachelor’s degree in Agricultural Business

Description du poste

At First Mid, base salary is one component of our Total Rewards program.Exact compensation is determined by factors such as (but not limited to) education, skills,internal equity,and experience.This position offers additional compensation in the form of discretionary short-term incentives (i.e. bonus, incentives, and/or commission). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, tuition reimbursement, an Employee Stock Purchase Plan, and a 401K plan with company match. Incentives and benefits are subject to eligibility requirements.

Develops, manages, and grows agricultural loan relationships that meet established lending criteria and provide maximum profitability to the Bank at minimum risk. Build and maintain relationships with farmers, producers, agribusinesses, and rural customers while developing agricultural, commercial, and retail deposit accounts. Provides sound credit analysis and portfolio management while supporting the Bank’s commitment to serving agricultural communities.

Responsibilities

• Ensures the asset quality of the assigned agricultural loan portfolio. Reviews delinquency reports with direct supervisor to ensure proper collection efforts are utilized to manage portfolio risk. Maintains low loan delinquency and ensures there are no administrative past due loans. Communicate timely and comprehensively with supervisor regarding any credit experiencing stress.
• Manages and grows an assigned portfolio of agricultural and commercial loans and deposit relationships. Develops and maintains customer relationships while building confidence in the Bank and its products and services.
• Builds and maintains strong relationships with farmers, producers, agribusiness owners, and agricultural industry partners.
• Conducts farm and business visits to evaluate operations, production practices, management capabilities, collateral conditions, and overall business performance.
• Solicits new lending opportunities and negotiates loan structures, rates, and terms in a competitive and price-sensitive environment.
• Cross-sells other Bank services, including deposit products, treasury management, insurance, and wealth management services.
• Analyzes customer credit requests, including balance sheets, income statements, cash flow projections, production histories, and collateral values to determine repayment capacity and creditworthiness.
• Prepares complete and accurate loan approval packages that identify key risks and mitigating factors associated with agricultural credit requests. Coordinates with Credit Administration personnel as appropriate.
• Makes recommendations on new and renewal loan requests within established lending authority and presents larger credits for approval through appropriate channels.
• Maintains knowledge of agricultural economic conditions, commodity markets, production trends, government programs, and industry developments that may impact customers and portfolio performance.
• Participates in community activities, agricultural organizations, trade associations, and local events to promote the Bank and strengthen customer relationships.
• Completes required training associated with job function.
• Performs related duties as assigned.

Qualifications

Education/Experience

• Bachelor’s degree in Agricultural Business, Finance, Business Administration, Economics, or a related field, or an equivalent combination of education and specialized training in agricultural and/or commercial lending and overall bank management.
• 3+ years of experience in agricultural or commercial lending with relevant knowledge of agricultural production, farm financial analysis, and rural business operations.
• Experience developing and managing agricultural loan and deposit relationships preferred.

Skills

• Thorough knowledge of agricultural production, farm financial statements, agricultural lending concepts, and rural business operations.
• Knowledge of the Bank’s products and services.
• Strong analytical skills to evaluate agricultural credit requests and monitor portfolio performance considering commodity prices, weather impacts, interest rates, economic conditions, and other risk factors.
• Strong interpersonal and relationship management skills to effectively interact with customers, prospects, and community stakeholders.
• Ability to develop business relationships and generate new loan and deposit opportunities.
• Knowledge of internal policies, procedures, and applicable state and federal regulations governing lending activities.
• Strong written and verbal communication skills.

Total Rewards

• Competitive health, dental & vision coverage with HSA match
• 401(k) with employer match + Employee Stock Purchase Plan
• GenerousPTO, paid holidays & parental leave
• Tuition reimbursement & performance-based bonuses

First Mid Bancshares, Inc. is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, protected veteran status, or any other applicable federal or state-protected classification.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT