AG Lender-ND


Jamestown, ND



Company Description

Founded over 100 years ago, my client is a leader in the business of lending to Farmers. Current assets managed exceeds $7 Billion!

Why You Should be Interested

  • More than 40 locations in MN, WI and ND
  • Over 600 employees
  • Member-owned locally governed lending institution
  • Serving over 18,000 farmers and ranchers
  • Excellent benefits including a 401k that puts away more than you do!!

Position Summary

The Ag Loan Officer is responsible for developing and servicing loan volume for the Southeastern ND markets. The position reports to the SVP/Market President and is an individual contributor with no management responsibilities.


1.  Bring value to the customer. Manage the total company value proposition and business relationship at the individual customer level. This includes:

  • Fully understanding the needs, goals, and capabilities of each customer, including how to best serve them.
  • Providing counsel that leads customers to effectively analyze their operations’ performance and deal with pertinent issues.
  • Providing solutions that effectively integrate company products and services in a customized package designed to meet the customer’s needs and behaviors, either directly or by leading a team of specialists.
  • Maintaining strong working knowledge of all company products, including risk management products and how to integrate those into solution-based contracts.
  • Resolving customer complaints or dissatisfaction, either directly or indirectly.


2. Administer credit. Implement established credit disciplines, processes and policies through delegated loan decisions, loan servicing, and analysis of loans:

  • Gather and/or oversee gathering of credit information and complete credit analyses.
  • Negotiate and structure sound loan contracts.
  • Make delegated credit decisions.
  • Provide recommendations on actions above authority and follow up with full implementation.
  • Implement, monitor and service credit contacts for performance.


3. Develop and execute business and sales plans. Develop and maintain plans for assigned portfolio/territory that summarizes opportunities, threats and needed resources. Maintain documented relationship plans for all key customers and prospects and attain business goals through sales execution. This includes:

  • Selling company products and services through well-designed customer/prospect presentations and proposals which provide solutions to identified needs.
  • Involving other team members as necessary to complete sales.
  • Soliciting and building relationships with non-customer prospects.
  • Managing time and personal discipline for effective sales processes through customer contact and sales calls. (Includes using a sales management system which facilitates team communication and supports database applications for marketing, planning, and reporting.).
  • Expectation is to be out of the office and in the marketplace a minimum of one day/week.


4. Develop and maintain personal and professional skills.

  • Develop and maintain a high-level knowledge of business concepts and company products and services.
  • Proactively develop and maintain a high level of knowledge about production agriculture, commodity marketing, agricultural economics, technology, and other specifics pertinent to the assigned portfolio, industry, segment and/or territory.
  • Maintain up-to-date knowledge of sales and marketing techniques, as well as solid credit skills and relationship-building skills.


  • Bachelor’s degree in business administration, economics, finance, agribusiness, or related field and/or experience equivalent to the degree.
  • Prior lending or related experience.
  • Strong communication, negotiating, problem solving and administrative skills.
  • Superior time management and personal management skills.
  • Demonstrated ability to work with others, strong teamwork, and leadership skills.
  • Sound financial judgment and lending acumen.
  • Ability to analyze a wide variety of financial information and identify creative solutions.
  • Demonstrated ability to make timely decisions



  • 5 – 10 years of advanced agriculture or commercial lending experience preferred
  • Working knowledge of risk management products such as MPCI, Hail Insurance and DRP.
  • Knowledge of the financial services industry, commercial banking, and the Farm Credit System.
  • Knowledge of lending disciplines and the Association’s credit portfolio.

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