Agriculture/Commerical Loan Officer

General Summary

The work duties for a Loan Officer include collecting and analyzing information regarding the customer’s income, assets, investments or debts and determining which financial products best meets their needs and financial circumstances.

Essential Duties/Responsibilities

• Develop and manage agriculture, commercial and consumer loans which meet established lending requirements and criteria.
• Be responsible for interviewing loan applicants and collect and analyze financial information to determine general credit worthiness of the loan applicant and meet the merit of the specific loan request. This may include making Loan presentations to the loan committee for approval.
• Establish or negotiate, when necessary, the terms under which credit will be extended including cost, repayment method, schedule, and collateral requirements for a particular loan request.
• Responsible for monitoring loan repayment activities and take necessary action to collect on past due accounts. The Loan Officer needs to ensure the protection of the bank’s interest in matters of adequate documentation and adherence to bank policy and the various laws and regulations applicable to loan operations.
• Delivers high quality customer service to all customers and coworkers.
• Be active in the community and involved in community projects.

Other Duties/Responsibilities

• Reviewing overdrafts and NSF checks on a daily basis, up to but not limited to approving or disapproving checks on their assigned customers.
• Responsible for compliance with the Bank’s Loan Policy and keeping the Chief Loan Officer informed when updates or changes are necessary.
• Understanding the Bank’s security system and procedures.
• Maintain knowledge of current trends and developments in loan operations by completing in-house training, reading appropriate newsletters, viewing training videos and attending related seminars.
• Willing to step in to assist other departments as needed/assigned.

Preferred Skills and Qualifications 

• High School Diploma or equivalent required; bachelor's degree is desired
• Two years of similar or related experience and a willingness to be trained is desired.
• Experience in Agriculture or an Ag-related field is desired.
• Be willing to live in South-Central Nebraska and be involved in our community.
• Ability to stay organized and communicate effectively and courteously in a secure environment.
• Proficient with computer equipment and software; including but not limited to Microsoft Office products.
• Possess excellent public and customer relations skills as well as good oral and written communication skills.