Jr. Ag Lender

Junior Loan Officer

Junior Loan Officers work alongside established ag and commercial lenders to learn the industry, and market area, and learn the rules and regulations. Time will be spent on the credit analysis side of banking as well to learn all the aspects taken into the process.

Junior Loan Officer Requirements

• Bachelor's degree in business, finance, or accounting.
• Strong preference to be in the banking industry.
• 2 years of Commercial Credit experience is preferred.
• A willingness to learn

Junior Loan Officer Responsibilities

• Acquisition, expansion, and retention of commercial relationships using a proactive calling strategy.
• Cross-sell ancillary products and services of the bank.
• Analyzes credit history of applicants and determines loan repayment capabilities.
• Negotiates credit terms, such as costs, loan repayment methods, and collateral specifications.
• Develops and maintains interest rate structure to be consistent with financial institution policies and procedures, and to be competitive with current market rates.
• Support the bank's strong relationship banking culture through on-going customer contact, quality customer service, superior product knowledge and community involvement.
• Daily review, approval, and disposition of commercial overdrafts.
• Reviews new laws and regulations that influence business lending within the financial institution and makes recommendations to management when necessary.
• Provide assistance and recommend training for new commercial loan officers.
• Develops new customer prospects and business.
• Represents the bank in the local community through active participation in community events.

For additional information on this opportunity contact Dave Ovall directly at Resumes may be confidentially sent to