What are the responsibilities and job description for the Agriculture/Commercial Banker position at Ag Jobs?
Job Summary
Responsible for reviewing loan applications to evaluate, authorize, and/or recommend the approval of loans. Develop and maintain the Bank's portfolio of agricultural and commercial loans.
Duties/Responsibilities
Responsible for reviewing loan applications to evaluate, authorize, and/or recommend the approval of loans. Develop and maintain the Bank's portfolio of agricultural and commercial loans.
Duties/Responsibilities
- Maintain a well-developed knowledge of the complete line of products and services offered by the Bank; taking responsibility to keep up to date on changes.
- Assess customers' needs and recommend banking products and services to current and potential customers that will meet or exceed their needs.
- Establish new banking relationships that will be profitable to the Bank.
- Provide personalized banking services to current and prospective customers, consistently seeking to expand customer relationships through the cross-selling of other Bank products and services.
- Manage and retain existing relationships and maximize long-term customer satisfaction through cross-selling efforts to meet or exceed the customer's needs and financial expectations.
- Develop and support retail business in the Bank by capitalizing business opportunities and refer sales opportunities to the appropriate sales staff.
- Monitor overdrawn accounts and implement a quality and timely collection plan. Follow through on collections efforts, using all legal means. Provide timely notification to supervisor and Loan Committee of problem accounts and possible loss to the Bank.
- Provide the highest level of customer service. This includes answering customer inquiries, providing information to customers on various accounts, interest rate inquiries, loan balances, and other Bank services according to Bank procedures.
- Be on the alert for stop payments, kiting suspects, check alerts, etc., which are posted from time to time and any other special situations which may occur.
- Demonstrate sound judgment in decision making, abiding by Loan Policy.
- Monitor the consumer loan portfolio. Be responsible for the early detection and identification of past due accounts and plan of action to bring account current.
- Analyze financial and credit information of each customer to assess the needs of other Bank products.
- Adhere to compliance procedures and participate in required compliance training.
- Make outside sales calls to prospective and current customers.
- Maintain knowledge of competitor products and services, including pricing of deposit and loan products, fees, and other charges in the market. Recommend changes to Bank management with an objective of maintaining competitiveness and profitability for the Bank.
- Participate in community organizations and activities to project a favorable image of the Bank in the community. Promote Bank products and services and make referrals to appropriate sales staff.
- Provide respectful and courteous customer service to internal and external customers.
- Ensure the safety and security of customer and Bank assets by complying with policies, procedures, and regulatory requirements.
- Assist in the opening and closing procedures in the Bank.
- Performs other related duties as assigned.