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AG LOAN OFFICER

Stockman Bank of Montana

Great Falls, MTFull-timeNo compensation foundTracked 1mo agoSeen in employer's feed 2 days ago
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At a glance

Compensation
No compensation found
Location
Great Falls, MT
Schedule
Full-time
Work Authorization
Not specified

Job overview

Stockman Bank of Montana is hiring an AG LOAN OFFICER. The AG Loan Officer develops and administers a loan portfolio, focusing on new and existing banking relationships. This role involves business development, guiding junior lenders, and representing the Bank in community activities. The officer processes and approves agricultural loan requests, conducts field inspections, and cross-sells bank products.

Key focus areas include Develop new and existing banking relationships, Administer loan portfolio, and Perform business development functions.

Successful candidates bring 5-10 Years Ag Lending Experience, Strong Commitment To Customer Service, and Business Development Experience. Important skills include Exceptional Customer Service, Analyzing Credit Requests, Collateral Analysis, Budget Monitoring, Obtaining Government Guarantees, and Monitoring Government Guarantees.

Skills & qualifications

RequiredNice to have

Skills

Exceptional Customer ServiceAnalyzing Credit RequestsCollateral AnalysisBudget MonitoringObtaining Government GuaranteesMonitoring Government GuaranteesBusiness DevelopmentWork IndependentlyTeam MemberFarm/Ranch InspectionWork EthicLoan AnalysisProper File DocumentationPreparation and Presentation of Loan RequestCurrent Agricultural MarketsAgricultural Market TrendsMarketing Alternatives for Agricultural CommoditiesForward ContractingFutures MarketsUSDA Farm ProgramsCrop Insurance CoverageFarm Service Agency Direct Loan ProgramsDisaster Loan ProgramsLending Policies and Procedures AdherenceQuality Customer ServiceProduct KnowledgeProfessionalismHandle Transactions QuicklyHandle Transactions ProfessionallyEffectively Handle Customer QuestionsEffectively Handle Customer Problems

Qualifications

5-10 Years Ag Lending Experience or EquivalentWillingness to Work on Community Projects

Full job description

Officer Full-Time

2 PROFESSIONALS

Great Falls, MT, US

Position General Responsibilities:

Development of new/existing banking relationships. Administration of loan portfolio, business development functions and guidance to Junior lenders. Represent the Bank in various community activities and organizations.

Employees Supervised:

None.

Education, Experience and Certification Requirements

Note: Only minimum responsibilities are listed. Other responsibilities may be required as requested by management.

Minimum Qualifications:

  • Strong commitment to providing exceptional customer service.

  • 5-10 years Ag Lending experience or equivalent training and/or experience.

  • Experience in analyzing credit requests, collateral analysis, budget monitoring and obtaining and monitoring government guarantees.

  • Business development experience.

  • Ability to work independently and as a team member.

  • Farm/Ranch inspection experience.

  • Willingness to work on community projects.

  • Proven work ethic a must.

Dimension of Job:

Process and approve agriculture requests. Inspection and verification of collateral and evaluation of operations through field inspections. Development of new business by expanding existing relationships and calling on potential customers. Cross sell Bank products. Voting member on Ag Market Loan committee.

Position Specific Responsibilities, Duties and Competencies

  1. Agriculture Loan Functions:

  • Loan analysis on new and existing credit line.

  • Supervision and service of assigned agriculture loans.

  • Responsible for proper file documentation of assigned loans.

  • Preparation and presentation of loan request for new and existing customers.

  • Become knowledgeable on current markets and market trends of agricultural commodities. Be up to date on marketing alternatives for agricultural commodities using forward contracting or futures markets. Responsible for working knowledge of USDA Farm Programs as well as crop insurance coverage available to local producers.

  • Keep current on the Farm Service Agency Direct & Guaranteed Loan Programs as well as Disaster Loan Programs.

  • Adherence to lending policies and procedures.

  • Inspection Function:

  • Perform field inspections of existing and potential agricultural customers to verify the adequacy of collateral securing the credit as well as to evaluate the general management and condition of the operation.

  1. New Business Development/Public Relations:

  • Promote the improvement of Stockman Bank through quality customer service, knowledge and promotion of products, professionalism in conduct and diligent work ethic.

  • Greet all customers pleasantly and make them feel welcome and comfortable.

  • Handle transactions quickly and professionally.

  • Effectively handle customer questions and problems.

  • Call on existing customers to maintain existing business and generate new business.

  • Call on prospective customers to generate new business.

  • Refer potential customers to proper Bank personnel.

  • Participate in Ag-related community activities.

For full description, which includes physical mental demands please see attachment.

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