VP/Commercial Loan Officer

We’re looking for a Commercial Loan Officer to join our Ag Lending team!

Responsibilities Include

• Generate new loan opportunities from both existing portfolio clients and outside sources
• Originate and renew Agribusiness Operating Lines and Loans, Equipment Finance as well as Owner Occupied Agribusiness related Real Estate Loans
• Evaluate annual crop production plans and budgets
• Compile loan package and facilitate negotiation of loan structure with applicants, including fees, loan repayment options, and other credit terms
• Review applicant financial status, credit and collateral evaluation to determine feasibility of granting loan after receiving application back from Credit Services department
• Prepare and present credit analysis and recommendations on agribusiness borrowing requests; demonstrate sound judgment in recommending loans for approval or declination
• Proficient in reading and developing ag budgets and ag financial statements required
• Monitor portfolio for quality, risk, and adherence to Bank policy and agribusiness lending best practices
• Work closely with Agribusiness Banking Leadership and Credit Administration to ensure sound portfolio management, client introductions and timely resolution of issues.
• Maintain active involvement in community organizations and activities, including those related to the Agribusiness community

What You’ll Need to be Successful

• Communication – ability to speak and write clearly and persuasively in all situations and speak effectively before groups of customers or employees
• Problem-solving Skills – ability to identify and resolve problems in a timely manner and work well in group problem-solving situations
• Customer Service – ability to respond promptly to customer needs, solicit customer feedback to improve service and respond to requests for service and assistance
• Accuracy – strong attention to detail; demonstrates accuracy and thoroughness in work
• Judgement – will exhibit sound and accurate judgment, support and explain reasoning for decisions and include appropriate people in decision-making process
• Ambition – will set and achieve challenging goals, demonstrate persistence and overcome obstacles
• Productivity – will meet productivity standards, complete work in timely manner and strive to increase productivity
• Teamwork – can listen without interrupting, remain open to others’ ideas and foster quality focus in the team
• Professionalism – ability to approach others in a tactful manner; react well under pressure or in difficult situations
• Dependability – will take responsibility for own actions and follow through on commitments
• Time Management – can prioritize and plan work activities and use time efficiently

Qualifications

• HS Diploma or GED Required
• Minimum of 5 years’ related experience in commercial and agribusiness lending required
• Bachelor's degree in business or a related field from four-year college or university preferred
• Strong understanding of underwriting standards for commercial and agribusiness loans required
• Strong proficiency in Microsoft office products preferred
• Deep understanding of commercial and agribusiness bank programs

Why You Should Apply

• Full-time position with excellent compensation and benefits package
• Generous time off programs
• Bonus program
• Profit-sharing
• Discounted stock purchase program
• Excellent growth and development opportunities
• And much more!

Pay Range (Salary): $115,000.00 - $130,000.00/year

The purpose of this job description is to provide a summary of duties related to the position. It is not intended to be all-inclusive. The employee will perform other reasonable business duties as assigned by supervisor or other management.

First Northern Bank does not discriminate based on race, color, religions, sex, gender identity, age, national origin, marital status, pregnancy, disability, or any other protected status.

The duties outlined in this description are subject to modification or change by the organization, at any time, with or without notice.