Citizens Alliance Bank · 6 hours ago
VP Ag Loan Officer
Chippewa County, MN
Full-time
Onsite
Mid Level
3+ years expCitizens Alliance Bank is seeking a VP Ag Loan Officer to manage an existing Ag loan portfolio and develop new Ag lending business. The role involves underwriting, structuring, and closing Ag loans while ensuring compliance with lending policies and regulations.
BankingFinancial ServicesLending
Responsibilities
Manage an existing Ag loan portfolio and develop new Ag lending business
Underwrite, structure and close all types of Ag loans in accordance with the Bank’s established policies and procedures
Exercise sound judgment in the loan making process
Have extensive customer contact and be responsible for all operational aspects for Ag loans in their market
Abide by and keep up to date on the Bank’s lending policies in addition to State and Federal lending regulations
Supervise other lenders in the department as needed
Demonstrate excellent written and verbal communication skills
Possess knowledge of regulations governing all lending practices
Recognize consumer 1-4 family applications and refer them to a consumer Loan Officer as appropriate
Innovate to drive continual progress and retention
Process Ag loan transactions and aid with transaction inquiries
Aid with consumer loan transactions and inquiries
Analyze financial statements, cash flows, pay records and tax returns
Present credits and loans for approval to appropriate authority, as required
Be proactive in obtaining new Ag loan customers for the bank
Demonstrate the ability to prioritize workload
Take Ag applications and approve or reject loan requests in accordance with loan policies and procedures
Obtain and maintain a working knowledge of regulatory requirements related to safety and soundness, compliance, and operations
Develop referral networks, suggest alternate channels, and cross-sell products and services to accomplish the Bank’s goals
Possess strong prioritization and organizational skills
Possess an understanding of general business and financial issues
Manage multiple concurrent projects
Be a self-starter and work both independently and in a group setting
Possess strong interpersonal skills and establish good relations with co-workers and other bank personnel
Assist co-workers as needed
Maintain regular attendance and punctuality when reporting to work
Travel for trade and industry schools and seminars as needed
Adhere to and comply with all applicable federal and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank’s policies and procedures
Perform other duties as assigned and requested
Qualification
Required
High School diploma or GED, Etc
Continuing Education to maintain job knowledge
Three To Five Years Of Banking Experience
Demonstrate excellent written and verbal communication skills
Possess knowledge of regulations governing all lending practices
Recognizes consumer 1-4 family applications and refers them to a consumer Loan Officer as appropriate
Innovative outlook to drive continual progress and retention
Process Ag loan transactions and aid with transaction inquiries
Aid with consumer loan transactions and aid with transaction inquiries
Be able to analyze financial statements, cash flows, pay records and tax returns
Present credits and loans for approval to appropriate authority, as required
Be proactive in obtaining new Ag loan customers for the bank
Demonstrate the ability to prioritize workload
Take Ag applications and approve or reject loan requests in accordance with loan policies and procedures
Obtain and maintain a working knowledge of regulatory requirements as they relate to safety and soundness, compliance, and operations
Develop referral networks, suggest alternate channels, and cross-sell products and services to accomplish the Bank's goals
Possess strong prioritization and organizational skills
Possess an understanding of general business and financial issues
Be able to manage multiple concurrent projects
Be a self-starter and possess the ability to work both independently and in a group setting
Possess strong interpersonal skills and the ability to establish and maintain good relations with co-workers and other bank personnel
Assist co-workers as needed
This position requires a valid Driver's License
All employees are expected to exemplify and follow our core values
Regular attendance and punctuality when reporting to work
Travel for trade and industry schools and seminars as needed
This position may require installation of a Multi-Factor Authentication (MFA) app on an employee's personal mobile device
Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank's policies and procedures
Perform other duties as assigned and requested
Preferred
Three to five years of customer service experience
Proficiency In Microsoft Suites
Company
Citizens Alliance Bank
Customer Driven. Community Focused. Agricultural, commercial and personal banking done locally.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
John T. Gill
President and COO ● Ag and Small Business Lending Specialist
Steven P. Condon, MS
Chief Credit Officer ● Ag and Small Business Lending
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