ESSENTIAL DUTIES AND RESPONSIBILITIES

include the following. Other duties may be assigned.

1. Interview applicant and analysis of request specified information for loan application determining proper options and products.
2. Analysis of applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.
3. Analysis of applicant financial status, income, assets, investments, debts, credit, and property evaluation to determine feasibility of granting loan. Determination of options and financial solutions to best meet client need.
4. Advising applicant regarding options, advantages and disadvantages of loan options.
5. Determination of loan package and negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
6. Determination of loan disapproval or approval for submission.
7. Drafting and preparing loan agreements in complete and accurate manner.
8. Responsible for loan closing and funding activities.
9. Identifies and analyzes potential loan markets to develop prospects for Ag/Commercial loans.
10. Understanding and advises loan manager of external factors that may affect established lending policies such as new or revised legislation and regulations. Recommends and implements appropriate changes to establishment policies and procedures.
11. Promotes and cross-sells other established products and services as appropriate to customer requirements.
12. Provides loan data to support marketing and sales promotion programs.
13. Serve as lead resource for Ag/Commercial lending to branch managers.
14.  Provides prompt, courteous and accurate internal and external customer service.
15.  Completes required internal training in a timely manner and pursues continuing education and knowledge to enhance career and job satisfaction. 
16. Serves as a backup in assigned areas and assists other staff as needed and performs other duties as awarded by management.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the individuals with disabilities to perform the essential functions.

EDUCATION AND/OR EXPERIENCE

Bachelor's degree (B. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.

LANGUAGE SKILLS

Above average verbal and written communication skills. Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients customers, and general public.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

REASONING ABILITY

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

CERTIFICATES, LICENSES, REGISTRATIONS

Must have a valid driver's license and be willing to travel to outlying branch areas as business needs dictate.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand; walk; sit; use hands to finger, handle, or feel; and reach with hands and arms. The employee is occasionally required to climb or balance; stoop, kneel, crouch, or crawl; and taste or smell. The employee must frequently lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.

 WORK ENVIRONMENT

The work environment characteristics described here are representative of' those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is occasionally exposed to moving mechanical parts and outside weather conditions. The noise level in the work environment is usually moderate.