Commercial Banker II - Ag Lending

Union Bank of Michigan; Grand Rapids (MI); On-site; USD 90,000 - 130,000; Full time

Job summary

Union Bank of Michigan is seeking a Commercial Banker ll – Agricultural Lending to build and manage relationships with agricultural and commercial clients. You will evaluate credit applications, determine loan terms, and ensure adherence to bank policies to maximize profitability.

The ideal candidate has extensive commercial lending experience, strong credit analysis, and experience with Jack Henry systems.

Qualifications

• Bachelor's degree in Finance or Business Administration or equivalent.
• Minimum of 10 years commercial banking experience.
• Experience in agricultural lending required.
• Regulation B, C, O, P, Z and X knowledge.
• Jack Henry Real Vision and Jack Henry 20/20 system proficiency.

Responsibilities

• Interview loan applicants and collect and analyzes financial data to determine credit worthiness.
• Establish and negotiate loan terms, including repayment schedules and collateral.
• Maintain relationships with business and commercial customers to promote growth and deposits.
• Oversee loan portfolio quality and adherence to lending policy.
• Advise customers on business management and financial matters.

Skills

Independence

Confidential information handling

Excellent communication

Listening skills

Education

Bachelor's degree in Finance or Business Administration

Banking schooling preferred

Tools

Jack Henry Real Vision

Jack Henry 20/20 system

Microsoft Outlook

Microsoft Word

Microsoft Excel

Job description

Job Title: Commercial Banker ll - Agricultural Lending

Department: Commercial Banking

FLSA Classification: Exempt

Home Branch: Location Specific

Supervises: None

Reports To: EVP, Chief Lending Officer

Position Summary

Builds and manages relationships with business customers and prospects. Extends credit to commercial and business customers in accordance with policies and procedures to enable the maximum volume and profitability.

Essential Functions

• Interview loan applicants and collect and analyzes financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan request.
• Establishes, and negotiates where necessary the terms under which credit will be extended, including the costs, repayment method and schedule and collateral requirements.
• Collects and analyzes information which reflects the current correct credit worthiness of customers and the current merits of existing loans. Information may be obtained by direct inspection of the applicant's business and/or collateral, review of interim financial reports, personal interview, etc.
• Adhere to all lending and operational policies which are consistent with overall Bank policies and operating objectives.
• Maintains relationships with businesses and commercial customers which will promote new business and interest and consistent deposit generation for the bank.
• Works closely with the Treasury Management Officer to ensure new deposit growth and assist in promotion of Treasury Management products and services.
• Review on an ongoing basis, new laws and regulations which could affect the enforceability of loan security agreements for commercial and business loans.
• Maintain membership in local organizations to increase the Bank's visibility and further personal development.
• Develop new customer prospects and promote new business.
• Participate in client and prospect calling and business development.
• Involved in the guidance, approval, implementation and adherence to Bank’s lending policy.
• Management of individual loan portfolio including ongoing relationship management and growth of loan portfolio according to annual individual loan portfolio growth goals.
• Handle extensions of credit approved by the Board of Directors within limitations provided therein.
• Direct oversight/management of loan portfolio asset quality; including payment delinquency, charge- offs, non-performing loan ratio and loan ratings.
• Advise customers, where possible, on business management and financial matters.
• Maintain relationships with community affiliates and acts as the Bank's representative in civic affairs.
• Provide overdraft decisions on bank relationships, as needed.

Other Functions

• Other duties assigned from time to time by EVP, CLO or other members of Senior Leadership.
• Adhere to all bank policy and procedures as well as complying with legal and regulatory requirements.
• Familiar with and abides by all bank regulations including but not limited to BSA and OFAC.

Working Conditions of the Job

• Stationed at desk 25-50% of working time.
• Ability to travel throughout the community to attend to clients and prospects.
• No particular working hazards.
• No unusual physical exertion required.

Job Qualifications

• Ability to work independently.
• Ability to retain confidential information.
• Outstanding communication and listening skills.
• Professional appearance and manner are required.

Education & Work Experience

• Bachelor's degree Finance, Business Administration or equivalent combination of education and experience.
• Minimum of 10 years commercial banking experience.
• Experience in agricultural lending required
• Banking or lending schooling preferred.
• A minimum of four years' experience in commercial and installment lending.
• Regulation B, C, O, P, Z and X knowledge
• Bank Secrecy Act and Community Reinvestment Act knowledge.
• Ability to work efficiently and effectively with various functions in Microsoft Outlook, Word and Excel; Jack Henry Real Vision; Jack Henry 20/20 system.

EEO Statement

Union Bank provides equal employment opportunity to all individuals regardless of their race, color, creed, religion, gender, age, sexual orientation, national origin, disability, veteran status, or any other characteristic protected by state, federal, or local law. Further, the company takes affirmative action to ensure that applicants are treated fairly during employment without regard to any of these characteristics. Discrimination of any type will not be tolerated. This job description does not list all of the duties of the job. Other duties and responsibilities may be assigned. This job description may be revised at any time. This job description is not a contract for employment and either the employee or the employer may terminate employment at any time, for any reason or no reason.

Applicant Acknowledgement: Can you perform the essential functions of the position for which you are applying with or without reasonable accommodation? ? Yes ? No If no, please explain. If you have any question as to what functions are applicable to the position for which you are applying, please ask the interviewer before you answer this question.