Agricultural Commercial Lender

Job Summary:

Responsible for developing new business, underwriting, structuring, and the closing of agricultural and commercial loans, as well as maintaining and servicing an existing portfolio. Represents the bank in local community through active participation in community affairs and participates in marketing all of the bank’s products and services.

Core Competencies:

Initiative, Decision Making, Planning & Organizing, Integrity, Stress Tolerance, Conceptual Thinking, Customer Service 

Skills & Abilities:

• Good telephone skills
• Internal / External customer relations skills
• Desire to work with the public focusing on meeting customer needs
• Active community involvement 
• Good verbal and written communication skills
• Good computer and word processing skills (Microsoft Excel, Word and Outlook)
• Good organizational skills
• Basic knowledge of bank loan products
• Ability to work in a fast-paced environment
• Ability to work well under pressure
• Ability to learn various technology and information systems
• Strong communication skills
• Organizational skills
• Adaptable to change
• Sound judgment
• Ability to work with customers, staff & management in a professional manner

Responsibilities & Duties:

• Manage and oversight of the existing agricultural and commercial loan portfolio to ensure proper risk ratings and early identification of potential problems.
• Maximize bank profitability through appropriate pricing of new loan originations, fee income, and selling of all bank products & services.
• Daily review, approval and disposition of commercial overdrafts.
• Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.
• Support the bank’s strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge.
• Build new relationships to support the bank’s strategic deposit and loan growth initiatives via the bank’s prospect calling program. 
• Other duties as assigned.

Requirements:

• Bachelor’s degree in Finance or Business preferred, related work experience also considered.
• Credit experience and training preferred.
• 3-5 years of ag and commercial lending experience preferred.
• Ability to stand for long periods of time.
• Ability to lift 20-40 lbs.

Astra Bank is an Equal Opportunity Employer. The preceding job description has been designed to indicate the general  nature  and  essential  duties  and  responsibilities  of  work  performed by employees within this classification. It may not contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees to do this job.

At Astra Bank we are committed to creating a diverse and inclusive work environment. We believe in providing equal opportunities to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other characteristic protected by law. We are dedicated to fostering an environment where everyone feels respected, valued, and empowered to contribute to our success.