Location: all cities,IN, USA
WHAT YOU WILL DO EVERYDAY
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 potentialproblems 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
INTERPERSONAL SKILLS
COMPETENCIES
Adaptable - Maintains effectiveness in reaching goals by adapting to changing circumstances, tasks, responsibilities, and people. Adjusts effectively to new work structures, processes, or requirements.Drive Results - Consistently accomplishes goals even under adverse conditions. Has a strong bottom-line orientation. Pushes self and helps others achieve results.Effective Communication - Utilizes a variety of communication modalities effectively and appropriately across multiple channels. Is effective in a variety of communication settings: one-on-one, small, and large groups, or among diverse styles and position levels. Adjusts to fit the message to the audience. Provides timely and helpful information to others across the organization.Functional Expertise - Possesses a sufficient level of technical and professional skill or knowledge in position-related areas; keeps up with current developments and trends in areas of expertise; actively seeks ways to grow and be challenged using both formal and informal development activities.Member Focus - Builds and maintains collaborative relationships with internal and external members which result in member satisfaction with both the process and the outcome.Teamwork - Effective team player who adds complementary skills and contributes valuable ideas, opinions, and feedback; communicates in an open and candid manner and can be counted upon to fulfill any commitments made to others on the team.
ADA REQUIREMENTS
Physical Requirements
Working Conditions
Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.
Mental and/or Emotional Requirements
ACKNOWLEDGEMENT
Nothing in the position description restricts managements right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This Job description is not a contract and should not be constructed as a guarantee of employment for any period of time. Interra Credit Union is an Equal Opportunity Employer and does not discriminate against employees or applicants based on race color, religion, sex/gender, national origin, disability, age, or any other category protected by law.