Job Description of Open Position
Knowledge of agricultural products/commodities a must; • Establish a relationship with equipment/farm products businesses; • Be available to perform on farm visits to customers and potential customers; • Be active in the community, especially in Ag related endeavors; • Be able to analyze all types of credit requests, financial statements, tax returns, credit reports, cash flows; and counsel debtors on financial condition and workouts if necessary; • Evaluate credit worthiness by processing loan applications and preparing documentation within the specified limits and timelines required; • Interview applicants to determine financial eligibility and feasibility of granting credit; • Adhere to the policies approved by the Board of Directors and maintained in the bank's policy manual; • Follow the guidance of regulatory agencies to remain in compliance with all federal guidelines; • Determine all applicable qualifications in setting up repayment plans; • Communicate with clients either to request or provide information; • Justify decisions, approvals or rejections, and document all information in determining decisions and being able to explain; • Complete loan contracts and explain all details of the loan agreement; • Update job knowledge on types of loans and other financial services; • Maintain and update customer records; • Be able to cross sell other services offered by the bank to customers; • Assess customer needs, explore all options and introduce different types of loans; • Go the "extra mile" to build trust, customer loyalty and satisfaction throughout the underwriting process; • Maintain customer confidence by keeping all personal and loan information confidential; • Be knowledgeable about all the services offered by the bank and be willing to learn more about those services to make yourself more valuable; • Be prepared to perform other duties, not necessarily related to loan functions; • Show willingness and take the initiative to learn more and do more than just loan duties; • Always provide friendly customer service and be willing to assist the customer in any way possible; • Maintain a positive attitude; • Good personality and outgoing to meet the community; • Work well with fellow employees; • Any other duties of which you are requested to perform. To apply, please send resume to [email protected] or stop in any location to pick up an application. |
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July 2024
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