Ag Lender

Agriculture Lender

The Agriculture Lender position is responsible for soliciting, negotiating, underwriting and coordinating the closing of operating lines, FSA, agricultural building and land loans in compliance with Sauk Valley Banks lending policies and procedures; develops business checking and deposit relationships with customers; and promotes business for SVB by maintaining good customer relations and referring customers to appropriate staff for new services. The position assists in attaining established SVB goals through active participation in sales management and officer call programs, and is expected to provide leadership, training and support to less experienced loan officers and other staff members. Assure compliance with all SVB policies and procedures, as well as, all applicable state and federal banking regulations.

Essential Duties :

• Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of SVBs products and services.
• Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of SVB credit culture and current economic and industry trends.
• Gathers and analyzes all information necessary to present a financing request to senior management of Loan Committee for approval; meets with existing or potential customers; visiting site of loans; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Chief Lending Officer or Loan Committee.
• Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conformance with SVB lending policies; obtains sufficient information and / or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
• Ensures that certification or deletion of collateral is made by the appropriate personnel.
• Negotiates, underwrites and processes renewals of credit facilities.
• Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
• Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
• Serves as a member of the officers Loan Committee and regularly attends Directors Loan Committee.
• Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition.
• Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits.
• Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
• Assists in meeting annual deposit and loan growth goals assigned by senior management.

Supervisory Responsibility :

The position of the Agriculture Lender is not responsible for the supervision of any employee(s).

Environment and Physical Activity :

The environment for this position is an open office that is mostly clean and comfortable. It may include some minor annoyances such as noise, odors, drafts, etc. The incumbent is in a non-confined office-type setting in which he or she is free to move about at will. This position may require long periods of sitting in one.

Equal employment opportunity, including veterans and individuals with disabilities.