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Ag Business Banker Print
Employer: American Bank & Trust
Location: Mellette, SD 57461
Employment Type: Full Time
DESCRIPTION

American Bank & Trust in Mellette, SD is seeking a full-time Ag Business Banker.   This is an excellent opportunity for the right candidate looking to advance their career and seeking growth opportunities with a locally owned successful organzation.  This position is responsible for building and maintaining a high quality loan portfolio by cultivating new and existing relationships through appropriate community contacts and involvement.  The ideal candidate would have a minimum of 2 to 5 years ag and/or commercial banking experience within a finanacial institution.  Bachelors Degree in Business, Finance or Accounting, or equivalent of education and experience.  Full benefit package and competitive compensation based on qualifications. American Bank & Trust is an Equal Opportunity Employer, Member FDIC


Send resume to: HR Department, American Bank & Trust, 1820 Dakota Ave S, Huron, SD 57350

REQUIREMENTS
Responsible for building and maintaining a high quality loan portfolio by cultivating new and existing relationships through appropriate community contacts and involvement. Performs all duties in originating, underwriting and closing secured and unsecured commercial and agriculture loans in accordance with established lending objectives, policies and procedures. Profitably grows loans, deposits and fees. Credit quality is at the forefront of responsibilities.
1. Maintains a portfolio of existing customers and maximizes relationships to build customer satisfaction and confidence in the Bank. Gathers and oversees compilation of all needed information for loan application. Works in tandem with Credit Administration to request appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to evaluation of loan application. Corresponds with or interviews applicant or creditors to resolve questions and negotiate agreements/terms.
2. Actively involved in business development, while keeping informed of trends that may impact the bank, including legal, regulatory, and economic issues.
3. Maximizes new and existing customer relationships by cross selling key deposit/fee income products/services as customer needs dictate.
4. Maintains the asset quality of the loan portfolio.
5. Communicates with Market President and/or Chief Banking Officer on a regular basis on community activities and others on operational and/or lending issues as needed.
6. Facilitates negotiation with customer, both new and existing, according to established standards, such as fees, loan repayment options, and other credit terms. Refers and/or presents credit proposals to loan committee for approval in excess of individual loan approval authority. Ensures loan agreements are complete and accurate according to policy. Assures timely loan closing and funding activities. Maintains updated loan documentation and loan files.
7. Seeks networking opportunities with valuable third party associates and potential clients through community activities, professional organizations, educational workshops and seminars, charitable organizations, and economic and community development organizations (local Chambers, economic development councils, etc.). Networking is acceptable during social situations as long as a high level of professionalism and appropriate decorum is maintained. Networking is also encouraged with the use of LinkedIn or other approved Social Media outlets. Networking opportunities, when utilized properly, will aid in business development.

Contact Information

American Bank & Trust
spyle@abt.bank
1820 Dakota Ave S
Huron, SD 57350
Phone: 605-352-9122

Other Information

Category(s): Banking, Finance, Agricultural / Farming
Industry: Banking / Financial Services
Experience Req.: Yes
Degree Req.: Yes
Closing Date: 6/9/2017
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