Agribusiness Lender Job Ligonier Indiana USA,Finance & Banking

Position: Agribusiness Lender I
Location: Ligonier

As an Agribusiness Lender I, you will be responsible for developing and enhancing relationships with potential and existing members. Monitor an existing agribusiness loan portfolio to ensure proper risk ratings and early identification of potential problems as well as build own portfolio by developing agribusiness relationships with new members. Grow the average products per household, member agribusiness loans, and new share growth.

Support the Credit Union's culture through ongoing member contact, quality member services, and superior product knowledge. Participate in prospecting activities and campaigns to grow loan balances and deposits while promoting treasury management services for member agribusinesses throughout the Credit Union.

Direct Reports:
None

HOW YOU WILL MAKE AN IMPACT

Accountable for the oversight and growth of an agribusiness lending portfolio. Responsible for a specified amount of agribusiness loans and deposit production expectations that will be required to be met on an ongoing basis. Portfolio management expectations will have delinquency, covenant tracking, and credit risk ratings monitored to ensure that loans are being made and maintained within policy and procedural guidelines.

Cultivate and meet with prospective and current members to collect information concerning their agribusiness needs, evaluation of income, collateral, and overall financial condition. Utilize delegated lending authority to approve and originate agribusiness loans within loan officer limits or submit loans to the Executive Loan Committee and Board Loan Committee when exceeding lender limits. Collaborate with Lender Support Specialists, Credit Analysts, and Commercial Operations staff in preparation of loan presentations, to include validation of loan underwriting, credit report reviews, and appraisals to assist with accuracy and identifying potential risks.

Responsible for new agribusiness development and secure relationships with centers of influence in the area of agribusiness lending through community involvement, networking events, and non-profit boards. Oversee the ongoing cultivation of new leads both organically and outside. Maintains and strengthens relationships with existing member base.

Follows up on referrals and identifies cross-sell opportunities to educate members and non-members on credit union products and services. Initiate, create, and deliver agribusiness lending and deposit presentations for local businesses and internal credit union seminars. Responsible for following up with members after closing to assess any further needs or answer questions. Meets specified annual cross-sales expectations and requirements on an ongoing basis.

Completes required annual training courses provided by the training and compliance department. Continuous engagement with personal learning and development. Other duties as assigned.

Must comply with all company policies and procedures, applicable laws, and regulations, including but not limited to, the Credit Union Secrecy Act, the USA PATRIOT Act, and the Office of Foreign Assets Control.

WHAT YOU WILL NEED TO SUCCEED Experience

1+ years' agribusiness lending experience in the finance industry

Education / Certifications / Licenses

This level of knowledge is acquired through completion of a required Bachelor's degree in Business Management, Business Administration, or related field. Must have and maintain a valid driver's license.

PREFERRED SKILLS

Ability to establish oneself as a people, sales, and service leader in the branch.
Strong organizational skills and ability to multi-task.
Proficiency in Microsoft Office (Outlook, Word, Excel, PowerPoint).
Must be able to work in a team environment with the ability to interact in a positive manner with peers, management, and other departments.
Professional level of verbal and written communication skills are essential to the position.
Capable of analyzing credit and financial information.
Ability to motivate or influence internal staff and external members is a critical part of the job, requiring a significant level of influence and trust.
Ability to evaluate pros and cons, risks, and benefits of different solution…


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