Ag Lender

Sauk Valley Bank • Sterling, IL • 2d ago

This job was posted by https://illinoisjoblink.illinois.gov : For more information, please see: https://illinoisjoblink.illinois.gov/jobs/13105350 SUMMARY

The Agriculture Lender position is responsible for soliciting, negotiating, underwriting and coordinating the closing of operating lines, FSA, agricultural building and land loans in compliance with Sauk Valley Banks lending policies and procedures; develops business checking and deposit relationships with customers; and promotes business for SVB by maintaining good customer relations and referring customers to appropriate staff for new services. The position assists in attaining established SVB goals through active participation in sales management and officer call programs, and is expected to provide leadership, training and support to less experienced loan officers and other staff members.

Assure compliance with all SVB policies and procedures, as well as, all applicable state and federal banking regulations.

ESSENTIAL DUTIES

Engages in business development activities and solicitation of new

business; actively involved in instilling and maintaining a positive sales environment through education of SVBs products and services.

Performs pre-qualification assessment and analysis of financial

condition and risk of financing requests within framework of SVB credit culture and current economic and industry trends

Gathers and analyzes all information necessary to present a

financing request to senior management of Loan Committee for approval; meets with existing or potential customers; visiting site of loans; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Chief Lending Officer or Loan Committee

Coordinates processing of approved loans; ensures loans are

processed according to agreement, customer needs and conformance with SVB lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements

Ensures that certification or deletion of collateral is made by the

appropriate personnel

Negotiates, underwrites and processes renewals of credit facilities

Approves loan payments, draws from lines of credit, and fund

transfers within specified limits

Reinforces the application of superior customer service through his

or her own example along with appropriate follow through with involved customers and employees

Serves as a member of the officers Loan Committee and regularly

attends Directors Loan Committee

Develops and maintains knowledge of financial industry, economy,

market conditions, rates, vendors and competition.

Reviews NSF and overdraft reports for customers assigned within his

or her portfolio; approves or declines such exceptions within established lending limits

Updates and corresponds with legal counsel and collectors on

workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken

Assists in meeting annual deposit and loan growth goals assigned by

senior management

SUPERVISORY RESPONSIBILITY

The position of the Agriculture Lender is not responsible for the supervision of any employee(s).

ENVIRONMENT AND PHYSICAL ACTIVITY

The environment for this position is an open office that is mostly clean and comfortable. It may include some minor annoyances such as noise, odors, drafts, etc. The incumbent is in a non-confined office-@type setting in which he or she is free to move about at will. This position may require long periods of sitting in one\ \ \ \ Equal employment opportunity, includingveterans and individuals with disabilities.\ \

PI279756229

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