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Equity Bank · 1 week ago

Ag/Commercial Lender - Moberly, MO

Moberly, MO

Full-time

Onsite

Mid Level

Equity Bank is a full-service community bank based in Wichita, Kansas, seeking an Ag/Commercial Lender to join their team. The role involves managing and servicing commercial customer relationships, enhancing client interactions, and meeting financial goals while ensuring compliance with bank policies.

BankingFinanceFinancial Services

Responsibilities

Manage and service commercial customer relationships as assigned

Enhance client relationships through regular contact, providing a high level of customer service and demonstrating and understanding for their business and risk profile

Retain clients with acceptable risk profiles

Demonstrate an understanding, concurrence and commitment to bank policies and procedures when managing client relationships

Meet or exceed loan, fee income and deposit growth goals as agreed and assigned annually

Monitor market conditions and competitor impacts in order to maintain competitive and profitable relationships

Develop and maintain comprehensive knowledge of all commercial products including loans, treasury management, trade service products and deposits to facilitate cross-selling and enhance the client experience

Demonstrate a strong understanding and working knowledge of loan documentation in order to mitigate risk to the bank

Maintain and monitor annual personal plan for growth goals and objectives

Maintains an active calling program for new business development which includes proper planning

Demonstrate effective behavior in maximizing customer profitability to meet EPS hurdles as defined by the bank annually

Meet or exceed the financial goals set by the bank annually. Specifically, to optimize loan pricing, fee income, and deposit rates

Action oriented driving to deliver results that meet or exceed financial goals set for the individual and the bank

Maintain acceptable levels of delinquencies/past dues, non-performing loans and criticized/classified assets as defined by the bank annually

Demonstrate strong credit skills in analyzing credit risk within the under-writing process. Gather complete and adequate facts/information needed to understand and assess risk, while meeting deadlines as assigned

Communicate potential credit downgrades in a timely and effective manner

Maintain credit and documentation exceptions within acceptable standards as defined and set by the bank annually

Demonstrate consistent quality of work product within the context of ongoing credit analysis and risk management

Exhibits solid time management skills, organization, planning and priority setting in carrying out day-to-day responsibilities for customer management and business development

Demonstrate sound business acumen and technical knowledge for underwriting and ongoing risk management

Exhibit strong problem-solving skills by providing effective solutions; look beyond the obvious

Exhibit strong interpersonal skills to include a cooperative spirit, positive attitude in all interpersonal relationships with co-workers, managers, and subordinates

Contribute to a professional working environment with respect to individual roles and responsibilities. Communicate problems and concerns in a respectful and constructive way

Demonstrate respect and observe rules and act in ethical manner

Build rapport with customers through approachability and a dedication to meeting their expectations and requirements