Start a challenging and rewarding career with American Federal, a financially strong, employee-owned community bank offering top-tier benefits, paid time off, an exciting work environment, and more!
The Ag/Business Banking Specialist position is on a career path to become a Ag/Business Banker, a process including completion of a Learning and Development Plan and generation of outstanding loan volume and meeting other targets.
The position is responsible for Associate and Banker duties, based on market needs, in the retail function, providing client service and support in deposit, loan and cash-handling transactions, client problem-solving, and service and support in the origination, processing and administration of consumer and business relationships.
The position learns the role and responsibilities of the Ag/Business Banker, analyzing commercial credits and providing service and support to the commercial credit function under the guidance of the Market President; and participates in prospecting and joint sales calls with the Market President and Ag/Business Banker.
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Assists Ag/Business Bankers in managing relationships with Agriculture and Business customers.
Assists in implementation of a business-calling program to develop new customers while continuing to penetrate existing customers with additional products and services that will assist them in achieving their financial goals.
Continuously uses the American Federal Preferred Way of Selling to identify customers’ goals and needs.
Assists in the underwriting of Agriculture and Business loans, and administering them according to established bank policies and procedures.
Makes recommendations for credit approval on loans.
Assists in the preparation of loan presentations on Agriculture and Business loans for submission for loan approval.
Performs routine administration of Agriculture and Business credit lines in conformance with customer’s loan contract.
Under direction of the Market President, extends credit lines, accepts payments, and completes depository transactions for customers.
Is able to sell consumer credit, deposit, and convenience products and services and refers customers and prospects to licensed representatives to fulfill investment or insurance needs.
Follows established bank policies and procedures and complies with governmental regulatory laws and regulations.
Affirmatively seeks to continuously increase own knowledge of financial services, operational systems/processes, and industry trends.
Undergraduate degree or its equivalent in business, finance, accounting, economics, agriculture, or a related field.
Two or more years of job-related experience in ag or commercial lending and collections of consumer, agricultural, business, and mortgage credits, or a minimum of five years of experience in sales or commercial business that have resulted in developing transferable skills required as an Ag/Business Banker.
Highly motivated and able to perform with limited direct supervision.
Ability and desire to obtain knowledge of the full array of financial services, operational systems/processes, industry trends, etc.
necessary to deliver American Federal Sales Preferred Way of Selling.
Excellent customer relations, interpersonal, written and oral communication, organizational, delegation, and team player skills.
Working knowledge of rules, regulations, policies and procedures governing Agricultural and Business lending.
Personal computer proficiency, including Excel, PowerPoint, Access and Windows word processing.
Travel to customer and prospect locations and American Federal sales offices.
Ability to operate telephone, personal computer, and bank and office equipment.
Member FDIC
Equal Opportunity/Affirmative Action Employer
Including Protected Veterans and Individuals with Disabilities
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