Ag Loan Officer

Join Our Team as an Ag Loan Officer!

Is the Agriculture Industry a passion of yours? Are you ready to take your career in banking to the next level?  You just might be who we are looking for!  We are seeking an experienced Ag Loan Officer to join our team and serve our agricultural clients. 

Responsibilities & Duties:

• Responsible for the management and retention of a portfolio of new and existing Agricultural and Consumer clients’ needs.
• Attain new customers through referrals therefore contributing to deposit growth by cross selling and promoting additional banking products.
• Seek and obtain quality new business through client and prospect calls and referrals.
• Serve as the primary point of contact for client inquiries and provide exceptional customer service by addressing their lending requirements and inquiries.
• Identify and pursue new lending opportunities within the target market.
• Leverage industry knowledge and networking to generate leads and referrals, contributing to the growth of the lending portfolio.
• Analyze prospective clients' financial statements, cash flow, credit history, and collateral to assess creditworthiness and determine appropriate lending structures.
• Develop and present customized lending solutions, including term loans, revolving credit facilities, working capital lines of credit, and other financing options, to meet clients' unique financial needs.
• Evaluate and manage credit risk by monitoring clients' financial performance and market conditions, making proactive recommendations and adjustments as needed.
• Prepare accurate and complete loan documentation, ensuring compliance with all legal, regulatory, and internal policy requirements.
• Stay informed about industry trends, economic developments, and market conditions that may impact clients' businesses, providing valuable insights and advice.
• Prepare thorough credit proposals, ensuring compliance with internal lending policies and regulatory requirements.
• Work closely with internal employees, loan processing, and compliance, to ensure a seamless lending process and excellent client service.

Qualifications:

• Bachelor’s degree in Finance, Business, Economics, or a related field, or experience in the agriculture industry.
• Should have at least 2-5 years in lending, relationship management, or a similar role.
• Strong understanding of lending products, credit analysis, financial risk assessment, and underwriting principles.
• Excellent communication, negotiation, and presentation skills.
• Ability to work independently, prioritize tasks, and meet lending targets.
• Proficiency in financial analysis tools, credit scoring models.
• Familiarity with lending regulations, compliance requirements, and industry best practices.
• Strong ethical values and commitment to maintaining client confidentiality.
• Loan Officer must live in the city of Minden or within 15 miles of our location.

Why work for us?  We offer an excellent benefits package including:

• Health, Dental & Vision Insurance
• 401(k) Account
• Paid Holidays
• Paid Vacation & Sick Time

Relationships:

Responsible to CEO/BOD and Bank President for the fulfillment of functions and job responsibilities. Will have extensive contact with customers, the public and the community and is to conduct relationships in a manner that will enhance the overall image and reputation of the bank.

Minden Exchange Bank is an equal opportunity employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, disability status, protected veteran status, or any other characteristic protected by federal, state, and local law. Member FDIC. Please contact the Human Resource Department at Minden Exchange Bank at 308-832-1600 or submit your resume to [email protected] or by mail to Minden Exchange Bank, Human Resource Dept. 448 N Minden Avenue Minden NE 68959.