What are the responsibilities and job description for the Ag/Commercial Loan Officer position at Pioneer Bank & Trust?
Summary:
Pioneer Bank & Trust, a -$1B multi-branch community bank located in Western South Dakota, is looking to hire a full-time lending officer to join our lending team. The successful candidate will be exposed to the following types of lending: commercial real estate acquisition / refinance and term loans, commercial and industrial related financings that include revolving lines of credit, Agriculture revolving lines of credit and term real estate loans, residential housing / construction, consumer loans and SBA loans.
Essential Duties & Responsibilities:
- Soliciting, negotiating, underwriting and servicing a variety of commercial loan and deposit relationships.
- Develop and grow a loan portfolio between $20MM - $30MM.
- Promoting the bank externally and referring customers to appropriate staff for new services.
- 70% business development activities and 30% portfolio/relationship management tasks.
- Excellent oral and written skills are essential.
- Evaluate the financial condition and creditworthiness of individuals/businesses. Analysis to include an assessment of borrower’s leverage, repayment capacity, collateral coverage, liquidity and internal risk rating classification.
- Approves loans within established limits or refers to loan committee for approval
- Ensure compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations.
- Branch opening and closing as needed.
- Supervisory coverage when Branch Manager is out of the Bank.
- Scheduling assistance.
- Travel may be necessary to maintain customer relationships.
Preferred Experience & Credentials:
· Bachelor’s degree in business administration, finance, accounting and/or economics.
· 5 years of Commercial/Ag lending experience preferred or related experience will be considered.
· Proven history of business development.
· Extreme familiarity with MS Suite of Products to include Word, Excel, and Outlook.
· Personal motivation and attention to detail while working in a deadline driven environment.
· Ability to communicate clearly and concisely across multiple levels within the organization.
· Desire to have a long-term career in community banking.
The duties described above are the general nature and level of work performed but are not intended to be a complete comprehensive list of all the duties, activities, and responsibilities required of job incumbents. Supervisors or managers may ask job incumbents to perform other duties as needed and/or required.
Management has the right to revise this position description at any time. The position description is not a contract for employment, and either you or the employer may terminate employment at any time, for any reason.
EOE AA M/F/Vet/Disability