VP of Ag and Business Banking

TS Banking Group; Treynor (IA); On-site; USD 180,000 - 260,000; Full time

Benefits offered by this job

Health insurance

401(k) match

Paid time off

Professional development assistance

Gym membership reimbursement

Job summary

TS Bank in Treynor, IA seeks a VP of Agriculture and Business Banking to originate, underwrite and close secured and unsecured loans, while building strong client relationships and guiding lending strategies.

The role requires deep knowledge of agricultural finance, commercial lending, and compliance. Lead collaboration with credit analysts, bankers and customers to grow the loan portfolio and cross-sell bank services.

Qualifications

• Bachelor's degree in business with accounting/finance/economics courses.
• Minimum five years banking experience; education may substitute.
• Postgraduate banking education preferred.

Responsibilities

• Consult with clients to evaluate bank products meeting financial needs.
• Develop and maintain relationships across staff and clients during loan process.
• Promote credit and loan services to prospective clients.
• Lead loan origination, underwriting, and closing of ag and business loans.
• Ensure compliance with government regulations and internal controls.
• Coordinate with credit analysts to package loan requests for approval.
• Support growth of the loan portfolio and cross-sell bank products.

Skills

Client consulting

Relationship management

Credit sales

Loan underwriting

Regulatory compliance

Education

Bachelor's degree in business

Postgraduate banking education

Job description

TS Bank is seeking to hire a VP of Ag andBusiness Banking position. This role will originate,underwrite and close secured and unsecured agricultural and businessloans in accordance with established lending objectives, policies andprocedures; establish and maintain positive relationships withexisting and potential clients, by performing the following duties. Ifthe employee performs duties and activities that qualify them as aMortgage Loan Originator, they will be required to meet allrequirements to comply with the SAFE Act.

Education and experience preferred includes: Bachelor's degree (B.A.) from four-year college or university in the field of business,including specific courses in accounting, finance, and economics; atleast five years related banking experience and/or training; orequivalent combination of education and experience. In addition, postgraduate industry-specific education (e.g., Stonier School of Banking, etc.).

Experience and Skills:

• Consult with clients in evaluating other Bank products that meetthe client's financial needs
• Actively develop and maintain a good working relationship withand between all company staff, clients, and others involved inloan transactions
• Promote sale of credit and loan services
• Remain the primary point of contact between client and bank,throughout the loan process
• Perform weekly file review of all loans in process, reviewingmissing items still needed
• Comply with all applicable government regulations and cooperatewith internal quality control and compliance programs
• Develop a strategy to assist clients after completion of thetransaction, including review of and assistance for additional andfuture financial needs
• Prepare statements on delinquent accounts and forwardirreconcilable accounts for collector action
• Participate in training programs as required by management
• Review and analyze client's financial status, goals and needs,and recommend the appropriate loan product
• Interview applicants and requests specified information for loanapplication; request appraisals, applicant credit reports,background checks, reference checks, and other informationpertinent to evaluation of loan application; analyzes applicantfinancial status, credit, and property evaluation to determinefeasibility of granting loan; and correspond with or interviewsapplicant or creditors to resolve questions regarding application information.
• Compile loan package and facilitate negotiation with applicantaccording to established standards, such as fees, loan repaymentoptions, and other credit terms; refer loan to loan committee forapproval; ensures loan agreements are complete and accurateaccording to policy; assures timely loan closing and funding activities.
• Utilize government programs when deemed necessary to meetclient's credit needs.
• Assist clients with inquiries and information requests, andresolves complaints relating to loan products and services offered.
• Regularly makes out of the bank business calls on existing andpotential clients.
• Responsible for growth of loan portfolio.
• Actively participate in the bank’s credit committee meetings.
• Participate in the collection procedures and processes of theloan officers to assure the timely collection of all delinquentaccounts and develop revised loan repayment terms or schedules as necessary.
• Establish and maintain positive working relationships with loanbusinesses and other organizations to provide informationregarding the lending programs and policies.
• Participate in the bank's business development activities,represent the bank in industry and professional associations,community organizations, local business groups, etc., and promotethe bank's favorable image.
• Underwriting all classifications of agricultural and businessloans, including government guaranteed and sponsored loans. Thesecondary aspect of the job is to underwrite all types of consumerloans. Completion of the input form designating the specificdocumentation required to provide security interest in thecollateral, maintain compliance, and the ancillary documentsneeded for complex credits. The job requires closing the loans atthe bank, client’s office or the title company. Responsibilityincludes servicing and monitoring the loans for quality control,utilizing aggressive collection methods, comprehensive knowledgeof title company reports and resolutions to difficult technicalexceptions. Another important function is cross selling the bankproducts with emphasis on the technology that is available.
• Work closely with the bank’s credit analysts in underwritingloan requests into credit packages for appropriate approval.
• Utilization of the "hands on approach" for developingbanking relationships of present and potential clients. Throughthe interview process ascertain the right product for the borrowerand depositor. Maintain knowledge of all the bank products toachieve comprehensive cross selling capabilities.
• Strive diligently to maintain a quality portfolio with minimaldelinquency. Counsel borrowers and recommend remedies to resolvedelinquencies. Work through troubles and seriously delinquent loans.
• Promote and sell cash management, depository products to new andcurrent clients.
• Makes qualified referrals to all areas of the company.
• Ability to perform all other duties as assigned.
• Comply with all banking and company regulations, policies, and procedures.
• Ability to read and interpret documents such as safety rules,operating and maintenance instructions, and procedure manuals.Ability to write routine reports and correspondence. Ability toeffectively present information and respond to questions fromemployees of company and the general public. Must possess goodcommunication skills. Ability to add, subtract, multiply, anddivide in all units of measure, using whole numbers, commonfractions, and decimals. Ability to compute rate, ratio, andpercent and to draw and interpret bar graphs.
• The physical demands described here are representative of thosethat must be met by an employee to successfully perform theessential functions of this job. Reasonable accommodations may bemade to enable individuals with disabilities to perform theessential functions. While performing the duties of this job, theemployee is regularly required to sit and talk or hear. Theemployee frequently is required to use hands to finger, handle, orfeel and reach with hands and arms. The employee is occasionallyrequired to stand; walk; climb or balance; and stoop, kneel,crouch, or crawl. The employee must occasionally lift and/or moveup to 25 pounds. Specific vision abilities required by this jobinclude close vision, distance vision, color vision, peripheralvision, depth perception, and ability to adjust focus. The workenvironment characteristics described here are representative ofthose an employee encounters while performing the essentialfunctions of this job. Reasonable accommodations may be made toenable individuals with disabilities to perform the essential functions.
• Position may require the ability to work before or after normalbusiness hours, including weekends and overnight travel, to meetrequired deadlines and attend meetings and/or training programs.

• Consult with clients in evaluating other Bank products that meetthe client's financial needs
• Actively develop and maintain a good working relationship withand between all company staff, clients, and others involved inloan transactions
• Promote sale of credit and loan services
• Remain the primary point of contact between client and bank,throughout the loan process
• Perform weekly file review of all loans in process, reviewingmissing items still needed
• Comply with all applicable government regulations and cooperatewith internal quality control and compliance programs
• Develop a strategy to assist clients after completion of thetransaction, including review of and assistance for additional andfuture financial needs
• Prepare statements on delinquent accounts and forwardirreconcilable accounts for collector action
• Participate in training programs as required by management
• Review and analyze client's financial status, goals and needs,and recommend the appropriate loan product
• Interview applicants and requests specified information for loanapplication; request appraisals, applicant credit reports,background checks, reference checks, and other informationpertinent to evaluation of loan application; analyzes applicantfinancial status, credit, and property evaluation to determinefeasibility of granting loan; and correspond with or interviewsapplicant or creditors to resolve questions regarding application information.
• Compile loan package and facilitate negotiation with applicantaccording to established standards, such as fees, loan repaymentoptions, and other credit terms; refer loan to loan committee forapproval; ensures loan agreements are complete and accurateaccording to policy; assures timely loan closing and funding activities.
• Utilize government programs when deemed necessary to meetclient's credit needs.
• Assist clients with inquiries and information requests, andresolves complaints relating to loan products and services offered.
• Regularly makes out of the bank business calls on existing andpotential clients.
• Responsible for growth of loan portfolio.
• Actively participate in the bank’s credit committee meetings.
• Participate in the collection procedures and processes of theloan officers to assure the timely collection of all delinquentaccounts and develop revised loan repayment terms or schedules as necessary.
• Establish and maintain positive working relationships with loanbusinesses and other organizations to provide informationregarding the lending programs and policies.
• Participate in the bank's business development activities,represent the bank in industry and professional associations,community organizations, local business groups, etc., and promotethe bank's favorable image.
• Underwriting all classifications of agricultural and businessloans, including government guaranteed and sponsored loans. Thesecondary aspect of the job is to underwrite all types of consumerloans. Completion of the input form designating the specificdocumentation required to provide security interest in thecollateral, maintain compliance, and the ancillary documentsneeded for complex credits. The job requires closing the loans atthe bank, client’s office or the title company. Responsibilityincludes servicing and monitoring the loans for quality control,utilizing aggressive collection methods, comprehensive knowledgeof title company reports and resolutions to difficult technicalexceptions. Another important function is cross selling the bankproducts with emphasis on the technology that is available.
• Work closely with the bank’s credit analysts in underwritingloan requests into credit packages for appropriate approval.
• Utilization of the "hands on approach" for developingbanking relationships of present and potential clients. Throughthe interview process ascertain the right product for the borrowerand depositor. Maintain knowledge of all the bank products toachieve comprehensive cross selling capabilities.
• Strive diligently to maintain a quality portfolio with minimaldelinquency. Counsel borrowers and recommend remedies to resolvedelinquencies. Work through troubles and seriously delinquent loans.
• Promote and sell cash management, depository products to new andcurrent clients.
• Makes qualified referrals to all areas of the company.
• Ability to perform all other duties as assigned.
• Comply with all banking and company regulations, policies, and procedures.
• Ability to read and interpret documents such as safety rules,operating and maintenance instructions, and procedure manuals.Ability to write routine reports and correspondence. Ability toeffectively present information and respond to questions fromemployees of company and the general public. Must possess goodcommunication skills. Ability to add, subtract, multiply, anddivide in all units of measure, using whole numbers, commonfractions, and decimals. Ability to compute rate, ratio, andpercent and to draw and interpret bar graphs.
• The physical demands described here are representative of thosethat must be met by an employee to successfully perform theessential functions of this job. Reasonable accommodations may bemade to enable individuals with disabilities to perform theessential functions. While performing the duties of this job, theemployee is regularly required to sit and talk or hear. Theemployee frequently is required to use hands to finger, handle, orfeel and reach with hands and arms. The employee is occasionallyrequired to stand; walk; climb or balance; and stoop, kneel,crouch, or crawl. The employee must occasionally lift and/or moveup to 25 pounds. Specific vision abilities required by this jobinclude close vision, distance vision, color vision, peripheralvision, depth perception, and ability to adjust focus. The workenvironment characteristics described here are representative ofthose an employee encounters while performing the essentialfunctions of this job. Reasonable accommodations may be made toenable individuals with disabilities to perform the essential functions.
• Position may require the ability to work before or after normalbusiness hours, including weekends and overnight travel, to meetrequired deadlines and attend meetings and/or training programs.

TSBank

Competitive benefits package:

• Health and dental insurance
• Life insurance package
• Generous PTO and holiday package
• 401K contribution and match
• Professional development expense allowance
• Gym membership reimbursement
• Wellness program

EEO Employer/Vet/Disabled TS Banking Group is a covered federal contractor or subcontractor subject to the requirements of the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), as amended, and Section 503 of the Rehabilitation Act of 1973, as amended. As such, TS Banking Group is bound by the terms of VEVRAA and Section 503, and shall not discriminate against individuals with disabilities, and is committed to take affirmative action to employ and advance in employment protected veterans and individuals with disabilities. Remote employees not physically located at the facility may access the affirmative action plan through the intranet site, or may request a copy of the plan for review and return should no internet access be available. TS Banking Group maintains an affirmative action plan for ensuring compliance and inclusion. The plan includes applicants and employees information, updates to policies, etc.

EEO Employer/Vet/Disabled