Ag Banking Officer

Description

Bravera Bank is hiring for an Ag Banking Officer in Northwood, ND. Bravera is an employee‑and‑director‑owned company that is committed to helping our employees forge a new path in their career. We work together to drive continuous improvement which enhances the customers experience and keeps our organization moving forward.

Bravera Bank is hiring for an Ag Banking Officer in Northwood, ND. Bravera is an employee‑and‑director‑owned company that is committed to helping our employees forge a new path in their career. We work together to drive continuous improvement which enhances the customers experience and keeps our organization moving forward.

This position is responsible for developing and maintaining relationships with agricultural‑based customers. The officer will solicit and originate quality loans, deposits, and special products and services with customers.

• Focused efforts to grow agricultural loan and deposit portfolios
• Customer satisfaction and retention
• Community engagement and visibility
• Compliance with regulatory standards

• Develop and maintain strong relationships with new and existing agricultural clients. Serve as the primary point of contact for financial services and solutions.
• Solicit, evaluate, and originate agricultural loans in accordance with bank policies and regulatory guidelines. Monitor loan performance and provide ongoing support to clients.
• Fully understand loan policy and procedures and recommend enhancements, as needed.
• Maintain a lending portfolio, approving credit within approved lending authority. Maintain appropriate and complete documentation and files, as necessary.
• Analyze asset and repayment quality on existing loans and loan applications.
• Responsible for collection of delinquent loans.
• Make regular customer contact and conduct field inspections, financial analysis, and risk assessments, as needed.
• Recommend appropriate banking products and services based on customer needs and financial analysis.
• Keep abreast of current industry trends, new programs, and regulations.
• Collaborate with internal teams to ensure seamless delivery of services and excellent customer service.
• Contribute to the overall success of the organization by leveraging opportunities as they relate to all entities of Bravera Holdings Corp.
• Maintain a high level of confidentiality and professionalism regarding all employee and customer issues and information.
• Promote the organization in the community through participation in various civic and community events, activities, committees, and organizations.
• Adhere to all banking rules and regulations, including but not limited to the requirements of the Bank Secrecy Act. Proactively prevent illegal activities and report any suspicious activity to the BSA Officer.

• Bachelor’s degree in accounting, finance, economics, or another ag‑related field preferred, OR an equivalent combination of education and a minimum of three years’ relevant experience in agricultural lending or banking.
• Strong interpersonal and communication skills.
• Ability to analyze financial statements and assess creditworthiness.
• Familiarity with agricultural operations and seasonal financial cycles.
• Proficiency in Microsoft Office Suite.

• Loan Volume = Minimum of $10 MM in loan volume.
• Proven history of developing new customer loan and deposit relationships.
• Proven history of providing successful referrals to other bank departments and subsidiary companies.
• Exhibits solid underwriting skills and credit presentation skills (verbal and written).
• Handling of minimum of 50 customer relationships.
• Historical rolling average of past dues under 1.25%.
• Historical technical exception level under 25%.
• Historical charge‑offs under $250,000.

Northwood, ND

We offer a competitive and rewarding compensation package, including base salary, incentive compensation opportunities, a retirement plan with company match, health insurance, paid holidays, paid time off (PTO), paid community volunteer time, and stock opportunities. As a learning organization, we invest in the…