Assistant Ag Loan Officer

United Bank of Iowa; Holstein (IA); On-site; USD 55,000 - 75,000; Full time

Job summary

United Bank of Iowa in Holstein, IA seeks a highly organized Agricultural Loan Officer to develop and maintain a portfolio of agricultural loan accounts. You will analyze loan applications, audit loan files, service existing loans, and counsel customers to reduce delinquencies and grow loan volume.

You will aggressively promote all bank services to enhance earnings and strengthen the bank's image within the community, requiring solid financial, communication, and problem-solving skills.

Qualifications

• 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.

Responsibilities

• Develop and maintain a portfolio of agricultural loan accounts.
• Analyze loan applications and audit loan files.
• Service existing loans and counsel customers to reduce delinquencies and meet goals for increasing loan volume.
• Aggressively promote all bank services to enhance bank earnings and image within the community.

Skills

Language skills

Mathematical skills

Reasoning ability

Interpersonal skills

Organizational skills

Customer service

Credit knowledge

Education

Bachelor's degree in agriculture or related field

1-3 years related experience

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 1-3 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 judgement, 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*