Agricultural Sales Associate

ENB Financial Corp.; Ephrata (Lancaster County); On-site; USD 55,000 - 75,000; Full time

Job summary

ENB Financial Corp. in Ephrata, PA is seeking an Agricultural Sales Associate to support origination and servicing of agricultural loans. The role focuses on managing loan documentation, coordinating with Relationship Managers, underwriters, and other stakeholders to ensure compliance and timely closings.

The candidate will assist with credit file maintenance, annual reviews, and CRM-driven workflow. A 2–4 year track record in lending and a Bachelor’s degree are required, with an NMLS credential

Qualifications

• 2-4 years of relevant experience required.
• Bachelor’s degree or equivalent experience considered.
• NMLS credential or ability to obtain within 6 months.

Responsibilities

• Assist in loan origination and processing from application to closing.
• Coordinate loan approvals with Relationship Managers and underwriters.
• Prepare and maintain client credit files throughout the loan process.
• Ensure compliance with bank lending policies and regulations.
• Maintain CRM records and support cross-department collaboration.
• Support notary and loan servicing tasks as needed.

Skills

Customer relationship management

Credit knowledge

Reg B compliance awareness

Education

Bachelor’s degree in Finance, Business, Accounting, Economics, or related field

Equivalent experience considered

Tools

Microsoft Word

Microsoft Excel

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Agriculture Lending - 0711 Full Time Sales Brossman Building, Ephrata, PA, US

2 days ago Requisition ID: 1837

Summary

TheAgricultural Sales Associate plays a crucial role in the origination and servicing of agricultural loans, managing the segments portfolio, and participating in sales initiatives. The associate is responsible for supporting the Agricultural Relationship Managers by managing the administrative and operational aspects of loans from application to closing. This includes ensuring compliance with relevant regulations, managing loan documentation, maintaining customer files, and actively collaborating with various departments including underwriting, loan operations, and compliance. The associate closely manages the credit quality and all applicable aspects of the segment portfolio. The associate acts as a point of contact for established customers and helps streamline communication and processes across teams to ensure efficient loan origination and servicing.

Essential Functions

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• Loan Origination & Processing:
  • Assist in managing the loan workflow from application to closing, including entering new loan requests, preparing documentation, and ensuring compliance with all applicable regulations (e.g., Reg B).
  • Coordinate loan approval process, including working with Relationship Managers, Credit Underwriters, and other stakeholders.
  • Research borrower, guarantor, and collateral details, ensuring due diligence is completed and documented.
  • Prepare and maintain client credit files throughout the loan process.
• Loan Closing & Documentation:
  • Oversee the loan closing process, ensuring all conditions of loan approval are met and collaborate with Loan Operations to ensure documentation is prepared accurately and timely.
  • Communicate and coordinate with third-party stakeholders (attorneys, accountants, insurance agents, appraisers, etc.) to facilitate smooth loan closings.
  • Order, review, and finalize loan documents, ensuring all required documents are executed properly before disbursing loan proceeds.
  • Handle adverse or withdrawn loans and ensure appropriate documentation and processing.
• Ensure credit quality of the agricultural portfolio.
• Process line of credit renewals.
• Perform annual reviews of all loan exposures meeting defined criteria.
• Monitor lines of credit on borrowing bases and ensure compliance with stated loan terms.
• Monitor risk rating on assigned relationships and recommend changes when necessary.
• Monitor credit concerns and recommendations and resolve as necessary.
• Manages note modifications and loan servicing requests.
• Utilize CRM for documentation and tracking activities.
• Collaborate with underwriters and credit analysts on annual reviews and renewals.
• Complete all requirements of loan bookings, to include all preparation, review, documentation and filing for note modifications and loan servicing requests.
• Develop a working knowledge of all customers, businesses, and prospect opportunities and contacting them as needed in support of managing the relationship.
• Review current account status, to include but not limited to, past due accounts and notes matured. Make appropriate recommendations for these accounts.
• Customer & Relationship Management:
  • Act as a liaison between the Relationship Manager and customers, providing support as necessary and answering inquiries regarding loans, payments, and loan advances.
  • Assist with financial request letters and monitor any necessary financial covenants.
• Support the Relationship Managers in new loan efforts including any industry and company research.
• Compliance & Reporting:
  • Monitor and maintain compliance with all bank lending policies, procedures, and regulations, ensuring all aspects of loan processing are in line with regulatory requirements.
  • Prepare financial reports, track loan statuses, and maintain accurate records in CRM systems.
  • Participate in achieving department KPIs, including loan volume, submission accuracy, and error rates.
  • Monitor reporting to include: credit quality annual line of credit renewals.
• Prepare documents in Word and Excel, processing mail and invoices, and managing office supplies as needed.
• Register with PAN to act as a notary for loan documents and closings.
• Manage team email mailbox and fax number for efficient workflow.
• Perform other duties as assigned to support the bank’s lending efforts and vision.

Required Education and Experience

• 2-4 years of relevant experience required.
• Bachelor’s Degree in Finance, Business, Accounting, Economics, or related field required. Will consider equivalent experience in lieu of a degree.
• Hold an NMLS or ability to obtain within 6 months of role entry.
• Must be proficient in basic software applications such as Microsoft Word and Excel.
• Ability to gain working knowledge of commercial, real estate and construction lending.
• Valid Driver’s License.
• ENB Operational and Functional Competencies.
  

Supervisory Requirements

This position has no supervisory responsibilities.

This job operates in a professional work environment. This role routinely uses standard office equipment such as computers, monitors, mouse, keyboard, phones, printers, scanners, photocopiers, filing cabinets, calculators, and fax machines.

Physical Demands

Ephrata National Bank promotes an equal opportunity workplace, which includes reasonable accommodations for otherwise qualified disabled applicants and employees. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to talk or hear. Specific vision required by the job includes close vision, distance vision, and ability to focus. While this position is primarily sedentary, the employee is frequently required to stand, walk, and use hands to finger, handle, or feel objects or controls, and reach with hands and arms.

Position Type and Expected Hours of Work

This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5:00 p.m. Flexibility of schedule to meet business needs is required.

Pay Transparency

Salaries may vary based on geographic location, market data, and individual skills, experience, and education. This role is incentive-eligible, with payment based on company, business, and/or individual performance.

Additionally, as part of our Total Rewards program, Ephrata National Bank offers a comprehensive benefits package to eligible employees. This includes medical plans with prescription drug coverage; health savings account and/or flexible spending account; dependent care flexible spending account; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay, jury duty, and bereavement; disability insurance coverage and maternity and parental leave; educational assistance and a robust wellness program with financial incentives.

This job description reflects the bank’s assignment of essential functions and position responsibilities. Nothing in this job description restricts the bank’s rights to assign or reassign duties and responsibilities to this job at any time. The employee is expected to adhere to all of Ephrata National Bank’s procedures and to act as a role model in the adherence to bank policies.