Agricultural Loan Officer

The First Central National Bank is now hiring an Agricultural Loan Officer.

Find out more below & apply today!

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.