SUMMARY:

The Ag loan officer must also be able to determine the material strengths and weakness of an existing loan or loan request and be able to mitigate the weakness in order to improve the soundness of the bank.

RESPONSIBILITIES:

· Serve the needs of the banking customer seeking agricultural loans, as well as some Commercial, lines of credit, and consumer loans.

· Interviews agricultural loan applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan is an acceptable risk.

· Makes decisions on loans and terms if within the bank’s lending limits, or makes recommendations to a superior if not.

· Follows current loans and lines of credit to ensure conformity with terms and to gain knowledge of developing customer trends as well as monitoring how the credit performs.

· Prepare presentations for approval and participations.

· Study the Agricultural industry, and financial situations relating to new or existing businesses and farms.

· Manages delinquency rate within assigned portfolio in a way that conforms to bank’s assigned parameters.

· Calls on potential or existing customers to develop new business and increase existing business.

· Complies with all bank policies and banking regulations.

· Responsible for the overseeing the administration of the loans that you have made.

· As an officer of the bank, it is important that you promote and represent the bank in a positive manner while at work and outside of work.

· Attend meetings as needed/required.

· Complete bank training as required by bank management.

· Cross sell bank products and services.