Ag Commercial Banker

Spherion Fargo is seeking an experienced Ag Commercial Banker. Interested candidates must possess the technical skills needed to underwrite, document and administer a sizable portion of small, midlevel and large ag/commercial loans. In addition, this position requires proficiency with business development and will be expected to actively solicit new loan relationships within the constraints of the Bank's loan policy. Generally, a candidate for this position will have functioned as an Ag or Commercial Loan Officer or Credit Officer for a period of at least three years.

Salary: $55-90k/year DOE

Responsibilities:
-Interview prospective small, mid-level and large Ag or Commercial loan customers in an effort to make a preliminary determination as to the nature and feasibility of the credit request
-Work closely with Mortgage Officers to encourage and receive referrals of Ag or Commercial Loan prospects and Private Banking prospects
-Assist in the analysis of financial and related data to determine the general credit worthiness of the prospect and the merits of the specific loan request
-Establish and negotiate, where necessary, terms under which the credit could be structured, including the costs, repayment methods and collateral requirements
-Assist in the preparation of the Loan Committee Presentation and required supporting documentation. This package must be prepared in accordance with the standards established in the loan policy
-Present to the appropriate loan committee for review and approval all loans in excess of the individual lending authority
-Provide guidance to the loan document representative and Ag Commercial Lending Assistant in preparation of loan documentation
-Monitor credit facilities once they are booked. Assess interim financial information, borrowing base reports and other supporting documentation
-Assist in the collection of past due loan payments and must utilize his/her support staff to obtain required information and to resolve file technical exceptions
-Administer all problem credits, implementing the goals and objectives established and agreed upon through the completion of a problem workout strategy
-Actively engage in business development. Bank wide goals for business development will be established through biweekly business development meetings. In this context, business development includes ongoing contact with existing Ag or Commercial customers
-Active involvement in community and civic affairs
-Mentor junior lending officers in the credit extension process
-Undertake special projects as assigned, as time permits
-Know by name and face as many customers and employees as possible, calling them by name as often as possible
-Know, understand and live the company values and bottom line.
-Conduct activities consistent with established policies, procedures and systems
-All employees are responsible for information security, including compliance with policies and standards which protect sensitive information
-Prompt and reliable attendance
-Perform other duties as assigned

Working hours: 8:00 AM - 5:00 PM

Skills:
-B.A. in accounting, finance, business administration or related fields

Education:
Bachelors

Experience:
1-4 years

Qualifications:
-Minimum 1-5 years experience within lending, commercial loans, agricultural lending
-Minimum Associate's Degree in accounting, finance, business administration or related field
-Working knowledge of loan documentation
-Proficiency with computer technology

Skills:
-Above-average written and communication skills.
-Multitasking
-Time management and organizational skills.
-Team Player
-Build relationships

To be considered, please apply online at www.spherion.com/apply
If you have any questions please contact Jovita Smith at jovitasmith@spherion.com

Spherion has helped thousands of people just like you find work happiness Our experienced staff will listen carefully to your employment needs and then work diligently to match your skills and qualifications to the right job and company. Whether you're looking for temporary, temp-to-perm or direct hire opportunities, no one works harder for you than Spherion.

Equal Opportunity Employer: Race, Color, Religion, Sex, Sexual Orientation, Gender Identity, National Origin, Age, Genetic Information, Disability, Protected Veteran Status, or any other legally protected group status.

At Spherion, we welcome people of all abilities and want to ensure that our hiring and interview process meets the needs of all applicants. If you require a reasonable accommodation to make your application or interview experience a great one, please contact Callcenter@spherion.com.

Pay offered to a successful candidate will be based on several factors including the candidate's education, work experience, work location, specific job duties, certifications, etc. In addition, Spherion offers a comprehensive benefits package, including: medical, prescription, dental, vision, AD&D, and life insurance offerings, short-term disability, and a 401K plan (all benefits are based on eligibility).

key responsibilities

-Interview prospective small, mid-level and large Ag or Commercial loan customers in an effort to make a preliminary determination as to the nature and feasibility of the credit request-Work closely with Mortgage Officers to encourage and receive referrals of Ag or Commercial Loan prospects and Private Banking prospects-Assist in the analysis of financial and related data to determine the general credit worthiness of the prospect and the merits of the specific loan request-Establish and negotiate, where necessary, terms under which the credit could be structured, including the costs, repayment methods and collateral requirements-Assist in the preparation of the Loan Committee Presentation and required supporting documentation. This package must be prepared in accordance with the standards established in the loan policy-Present to the appropriate loan committee for review and approval all loans in excess of the individual lending authority-Provide guidance to the loan document representative and Ag Commercial Lending Assistant in preparation of loan documentation-Monitor credit facilities once they are booked. Assess interim financial information, borrowing base reports and other supporting documentation-Assist in the collection of past due loan payments and must utilize his/her support staff to obtain required information and to resolve file technical exceptions-Administer all problem credits, implementing the goals and objectives established and agreed upon through the completion of a problem workout strategy-Actively engage in business development. Bank wide goals for business development will be established through biweekly business development meetings. In this context, business development includes ongoing contact with existing Ag or Commercial customers-Active involvement in community and civic affairs-Mentor junior lending officers in the credit extension process-Undertake special projects as assigned, as time permits-Know by name and face as many customers and employees as possible, calling them by name as often as possible-Know, understand and live the company values and bottom line.-Conduct activities consistent with established policies, procedures and systems-All employees are responsible for information security, including compliance with policies and standards which protect sensitive information-Prompt and reliable attendance-Perform other duties as assigned

experience

1-4 years

skills

-B.A. in accounting, finance, business administration or related fields

qualifications

-Minimum 1-5 years experience within lending, commercial loans, agricultural lending-Minimum Associate's Degree in accounting, finance, business administration or related field-Working knowledge of loan documentation-Proficiency with computer technologySkills: -Above-average written and communication skills.-Multitasking -Time management and organizational skills.-Team Player -Build relationships

education

Bachelors