Ag Banker

Position Summary: The Ag/Commercial Banker is responsible for developing and managing commercial, consumer, and agricultural banking relationships. This role includes originating and servicing loans, managing portfolio risk, and ensuring compliance with policies and regulations. The Ag/Commercial Banker drives portfolio growth and fosters long-term client relationships to support the bank's business objectives.

Primary Responsibilities & Key Accountabilities:

Loan Origination & Portfolio Management

• Originate, monitor, and service commercial, consumer, and agricultural loans in accordance with bank policies and regulatory requirements.
• Conduct applicant interviews, analyze financial data, evaluate collateral, and assess credit risk.
• Make loan decisions within assigned authority or present recommendations to the Management Committee.
• Conduct ongoing monitoring of loan performance, including financial analysis, collateral inspections, and client communication.
• Maintain accurate and current loan files and documentation.

Business Development & Relationship Management

• Develop and maintain strong client relationships by identifying financial needs and providing tailored banking solutions.
• Proactively source new lending opportunities and cross-sell bank products and services.
• Solicit new deposit relationships to support portfolio growth.
• Leverage market insights and financial expertise to assist clients in achieving business objectives.
• Engage with local businesses and community organizations to promote the bank's presence and services.

Risk Management, Compliance & Asset Quality

• Monitor asset quality within assigned portfolio and identify, report, and address problem credits.
• Recommend and implement workout strategies, restructures, or guaranteed lending solutions as appropriate.
• Manage and liquidate bank-owned properties when necessary.
• Negotiate payment arrangements and oversee collections on delinquent loans.
• Ensure all lending activities comply with regulatory requirements, internal policies, and audit standards.
• Support a culture of compliance, integrity, and sound risk management.

Committee Participation & Community Involvement

• Actively participate in the Management Committee and other assigned committees.
• Represent the bank at community events, volunteer activities, and professional functions to enhance the bank's reputation and community presence.

This position description describes the general nature and level of work performed by the individual assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.

This position description does not constitute an employment agreement between the employer and employee and is subject to change by the employer as the needs of the employer and requirements of the position change.

Reliabank is an Equal Opportunity Employer, including individuals with disabilities and protected veterans.

Requirements

Education & Experience:

• Bachelor's degree in Business, Finance, Accounting, or related field
• Minimum of 1-3 years of experience in commercial lending, credit analysis, or business banking
• knowledge of credit principles, financial analysis, and commercial banking products
• Excellent communication, negotiation, and relationship management skills
• Proven ability to generate new business and build lasting client relationships
• High attention to detail, organization, and follow-through

OTHER SKILLS & ABILITIES:

• Ability to communicate well with customers and employees, both verbal and written.
• Knowledge of lending regulations and policies.
• Understanding compliance issues and regulations.
• Profession demeanor and appearance.
• Maintain the integrity of highly confidential customer and bank financial information.
• Willingness to assume responsibility.