Senior Ag / Business Banking Officer

Job Description

Scope :

Reporting to the Location President, the Senior Ag / Business Banking Officer is responsible for assisting with the daily operations of the branch, helping to lead lending and business development initiatives of the location and supervision of staff.  The quality and nature of this leadership will result in meeting the needs of the customers, staff and bank while achieving both the short and long-term goals of the bank.

The Senior Ag / Business Banking Officer is responsible for developing and servicing loan volume for the market in which it operates.  As part of this, the Senior Ag / Business Banking Officer is responsible for public relations and generation of new business in accordance with the goals and objectives of the bank.  Represents the bank in the local community through active participation in community affairs.

Accountabilities : Lending : 45%

• Assist in developing and achieving goals for loan growth, quality, and pricing for the location.
• Responsible for generating individual loans within guidelines set by bank policy and growth targets.
• Assist with implementing bank policy regarding the lending function.
• Assist with the overseeing of the location lending function in such a way that the resulting efficiency, quality, and consistency of loan delivery maximize both customer service quality and bank profitability.
• Follow up with delinquent loans to maintain the quality of the loan portfolio.
• Responsible for strengthening customer relationships with existing customers and help attract prospects to the bank.  This will be accomplished through understanding the full account relationships with customers and making sales calls to those customers to solicit additional product sales.

Business Development : 30%

Branch Administration : 15%

Supervision : 5 %

Other :   5%

Competencies : Adaptability :

Able to adjust quickly to different work situations and remain composed under pressure and in stressful situations.  Must embrace change and see change as an opportunity.  Must be willing to express and support management's ideas to affected staff.  Consider themselves as part of a larger bank team and helps build teamwork.

Attention to Detail :

Regard for all important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details.  Able to develop personal tracking / reminder systems to assure that important activities are not missed.

Financial Analysis :

Must clearly understand all aspects of accounting and finance in a community bank environment.  This includes understanding reconcilement, general ledger, budgeting, and pricing along with the ability to understand numbers and use those skills as they pertain to loans and the loan underwriting process.

Negotiation and Sales Skills :

Must understand the concepts of negotiating and sales as it pertains to selling financial service products in a community bank.  Must be able to cross sell customers and make referrals to other areas of the bank.  Must be able to develop a “win-win” approach to problem solving with customers.

Oral / Written Communication :

The ability to express and to communicate thoughts and ideas in a professional, clear, and concise manner, both orally and in written form to a variety of audiences and to all levels of staff.  Must be willing to express and support management’s ideas to affected staff.

Professionalism :

Projects a positive image of the bank to all internal and external customers at all times along with the ability to work well with others.  Helps to build and promote teamwork.  Promotes the bank’s image of a supportive corporate citizen within the community.  Fiduciary responsibility for safekeeping confidential and sensitive information requires ethics and professionalism beyond reproach.

Supervision :

Offers the proper training and coaching for new and current employees and set and measure performance standards.  Must be able to set targets, develop action plans, provide feedback and praise / discipline as warranted and be able to motivate staff using both monetary and non-monetary rewards to recognize good performance and meet the goals that have been developed.  Must have the ability to resolve personnel issues and conflicts that arise in such a way that maintains a positive work environment.  Consider themselves as part of a larger bank team and helps build teamwork.

Time and Work Management :

The capacity to manage one’s work, outline overall project plans, determine necessary steps for its completion and delegation of tasks to the appropriate staff to assure the project is finished accurately, on time and within budget.  Must have the ability to set targets, develop action plans, and measure results against the defined target goals.  The ability to prioritize tasks to make the best use of time for high priority tasks is vital.  Makes prudent decisions; creates policies and procedures; provides managerial direction and leadership at a high level of accountability.  Seeks opportunities to develop personal abilities.

Education and Special Requirements :

If you are a registered MLO, you will also have the following duties :

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