Ag Banker

Careers at The First National Bank in Sioux Falls

As an Ag Banker, you are responsible for developing, managing, and growing profitable relationships with agribusiness customers. This role involves originating and structuring credit with moderate supervision, while proactively identifying, managing, and monitoring risk before and after credit extension. As a relationship manager, you will partner with teams across the Bank to deliver thoughtful, profitable solutions that meet each customer’s unique needs.

In addition, our FIRST Values apply to all teammates without exception.

FIRST Values

• Family – We support, trust, and respect each other, our customers, and our shareholders.
• Independence & Innovation – We embrace change as vital to our success.
• Relationships – We build relationships that are based on strong character, mutual loyalty, trust, and respect.
• Stewardship – We take care of ourselves so we can take care of others.
• Teamwork – We help each other grow and succeed.

Who we are:

The First National Bank in Sioux Falls began its long-term commitment to the Sioux Falls area in 1885. The oldest bank in Sioux Falls owes its longevity to a combination of service, stability, innovation, and family involvement. Over the past 140 years, The First National Bank in Sioux Falls has worked diligently to promote the growth and vitality of our city and the surrounding area.

The Bank strives to continually be recognized as a community leader by reinvesting financial resources back into the communities it serves and encouraging active employee involvement in community volunteer organizations.

The First National Bank Way, which is a blend of our Mission Statement and FIRST Values, serves as the foundation of our culture. It is a gift that has been passed down to us and is the legacy that we will protect and preserve. Nothing is more important to us – it is the cornerstone of our success.

Our culture is driven by integrity, service, and strong values; nothing has shaped it more than our FIRST Values.

Our FIRST Values are not just words; they are truly felt by our employees, customers, shareholders, and communities. They tell us who we are as a business and guide our behaviors and decisions as we move forward and build successful relationships.

Although banking has evolved over the years, our mission and values have not and will not change.

Provide top service & relationship management.

• Assist with department to maintain relationships and grow portfolio organically.
• Maintain relationships with customers by offering excellent service.
• Collaborate with Ag Department to enhance products and services to add customer value.
• Maintain loan and deposit portfolio size that commensurate with your level. This level is evaluated annually by department leadership team.

Display true ownership of portfolio quality measured by proper compliance with Bank’s Loan Policy & Guidelines.

• Maintain portfolio tickler exceptions are maintained at 15% with minimal and appropriate extension requests.
• Credit file deviations must be kept to a minimum.
• Administer and monitor construction projects appropriately to ensure project risk is sufficiently mitigated.
• Provide thorough review of Customer Financial Statements to ensure proper Risk Ratings are maintained.
• Ensure findings by Credit Review are resolved or addressed without oversight from Management. Monitor Loan Covenants appropriately.
• Maintain acceptable level of documentation exceptions and deviations from loan policy.
• Support experienced Ag Bankers with file maintenance and document collection for more complex relationships.
• Assist with annual collateral inspections to ensure adequate collateral coverage for the borrowing relationship.
• Maintain proper documentation to adhere to loan policy/guidelines and approval requirements.

Initiate network opportunities to assure customers receive quality service and to enhance relationships with external referral sources to facilitate business development opportunities.

• Provide superior service to existing clients that leads to client retention, additions, and referrals.
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