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Ag Banker IV

Ag Banker IV

The First National Bank in Sioux FallsSioux Falls, SD, US
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Ag Banker IV

The Ag Banker IV is responsible for soliciting, developing, and maintaining profitable relationships with complex agribusiness customers. This role includes originating and structuring loans, as well as managing risk both before and after credit extension. The banker serves as a relationship manager, coordinating with all areas of the Bank to provide comprehensive financial solutions. In addition, the Ag Banker IV represents the Bank as an experienced advisor, offering independent perspectives on complex customer challenges and new initiatives to support sound decision-making. The role also provides assistance and support to management with branch operations.

In addition, our FIRST Values apply to all teammates without exception.

Family We support, trust, and respect each other, our customers, and our shareholders.

Independence & Innovation We embrace change as vital to our success.

Relationships We build relationships that are based on strong character, mutual loyalty, trust, and respect.

Stewardship We take care of ourselves so we can take care of others.

Teamwork We help each other grow and succeed.

The First National Bank in Sioux Falls began its long-term commitment to the Sioux Falls area in 1885. The oldest bank in Sioux Falls owes its longevity to a combination of service, stability, innovation, and family involvement. Over the past 140 years, The First National Bank in Sioux Falls has worked diligently to promote the growth and vitality of our city and the surrounding area. The Bank strives to continually be recognized as a community leader by reinvesting financial resources back into the communities it serves and encouraging active employee involvement in community volunteer organizations.

The First National Bank Way, which is a blend of our Mission Statement and FIRST Values, serves as the foundation of our culture. It is a gift that has been passed down to us and is the legacy that we will protect and preserve. Nothing is more important to us it is the cornerstone of our success.

Our culture is driven by integrity, service, and strong values; nothing has shaped it more than our FIRST Values.

Our FIRST Values are not just words; they are truly felt by our employees, customers, shareholders, and communities. They tell us who we are as a business and guide our behaviors and decisions as we move forward and build successful relationships.

Although banking has evolved over the years, our mission and values have not and will not change.

Accountabilities

Relationship Management

Provide top service & relationship management.

  • Promote our department and personal expertise to maintain relationship and grow portfolio organically.
  • Make recommendations on credit structure that will enhance relationship while staying within guidelines.
  • Maintain relationships with key customers by offering excellent service and unique solutions tailored to their operation.
  • Collaborate with team leaders to enhance products and services to add value to customers.
  • Develops and maintains an in-depth knowledge of products and services as well as knowledge of competitors and their products. Proactively promotes bank products and services and keeps clients informed of all solutions to meet their needs.
  • Maintain loan and deposit portfolio size that commensurate with your level. This level is evaluated annually by department leadership team.
  • Exercise independent judgement and discretion to make lending decisions within established guidelines with minimal supervision.

Business Development

Initiate network opportunities to assure customers receive quality service and to enhance relationships with external referral sources to facilitate business development opportunities.

  • Provide superior service to existing clients that leads to client retention, additions, and referrals.
  • Follow up on leads and opportunities to retain existing customers and attract new relationships.
  • Strategize and develop a plan to achieve individual annual growth goals for loans and deposits to ensure the bank meets its overall financial targets while keeping our credit culture in mind.
  • Strategize and develop new business by building relationships with industry groups and influencers.
  • Collaborate with First Crop Solutions to assist in growing the insurance portfolio.

    • Credit Administration

    Display true ownership of portfolio quality measured by proper compliance with Bank's Loan Policy & Guidelines.

  • Maintain portfolio tickler exceptions are maintained at 15% with minimal and appropriate extension requests.
  • Credit file deviations must be kept to a minimum.
  • Administer and monitor construction projects appropriately to ensure project risk is sufficiently mitigated.
  • Provide thorough review of Customer Financial Statements to ensure proper Risk Ratings are maintained.
  • Ensure findings by Credit Review are resolved or addressed without oversight from Management. Monitor Loan Covenants appropriately.
  • Maintain acceptable level of documentation exceptions and deviations from loan policy.
  • Support experienced Ag Bankers with file maintenance and document collection for more complex relationships.
  • Assist with annual collateral inspections to ensure adequate collateral coverage for the borrowing relationship.
  • Maintain proper documentation to adhere to loan policy / guidelines and approval requirements.

    • Coaching & Mentoring

    Provide a high level of coaching & mentoring to other staff that aligns with FIRST values.

  • Mentor junior lenders to assist them in reaching loan and deposit growth goals.
  • Negotiate terms in conjunction with junior lenders to help create positive experiences for new and existing customers.
  • Strategize with junior lenders to help facilitate credit structure and innovative solutions for customers.

    • Community Involvement

    Actively promote bank in community and identify opportunities for community involvement and partnerships.

  • Actively participate in community and industry organizations to help source business development opportunities and demonstrate our commitment to Agriculture.
  • Support the Ag Banking Manager in coordination of Ag educational programs and / or events.
  • Delegate support and assistance functions related to community involvement.

    • Qualifications

    Secondary education in related field preferred. Five or more years of relevant work experience or a combination of education / experience that would enable incumbent to meet accountabilities and required competencies of the position. Experience with lending, major credits, and agriculture preferred. Completion of banking school also preferred.

    Skills and Abilities

  • Ability to work independently with little supervision. Self-motivated.
  • Excellent verbal and written communication skills.
  • Ability to conduct relationships in a manner that ensures cooperation and positive results.
  • Demonstrate a high degree of concern for professional and innovative customer service.
  • Ability to manage multiple competing priorities.
  • Possess strong knowledge of commercial banking and economics.
  • Ability to adapt to the needs of the organization and teammates.

    • What's in it for you?

  • Health Insurance
  • Dental & Vision Insurance
  • Profit Sharing
  • Paid Vacation & Holidays
  • Company paid short and long term disability
  • Tuition Reimbursement Program
  • Employee Banking Perks
  • Community Volunteer time
  • And More!
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    Banker • Sioux Falls, SD, US