Location: Martinsburg,PA, USA
A great banking experience starts with a great team! Mid Penn Bank is actively seeking an Agricultural Loan Officer to join our team in Lancaster, Harrisburg or Martinsburg, PA.
We believe that our ongoing success depends upon a skilled, satisfied, and valued work force. As a member of our team, you can expect opportunities to develop your skills to help you excel in your role and achieve your professional career goals. We offer a comprehensive range of flexible benefits to support your personal and financial well-being. Our inclusive culture encourages all employees to share ideas, collaborate, and contribute to the values that make us a winning team for our customers, shareholders, and communities. We are committed to diversity, equity, and inclusion. People from underrepresented communities, Veterans, individuals with disabilities, and bilingual candidates are strongly encouraged to apply.
Position Overview
The Agricultural Loan Officer is responsible for achieving customer service and sales goals as established in the Lending Division's annual operating plan. This individual will perform a variety of duties to meet the agricultural/commercial services needs of business customers while complying with operating policies and procedures established for the commercial services function.
Essential Duties and Responsibilities
* Solicits new business from present and prospective customers; maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities.
* Serves as a member of the organization's sales team; makes group sales calls where these types of calls will improve the opportunity for new business development.
* Establishes and develops relationships with key Centers of Influence (COI's) to provide for mutual referrals to enhance customer relationships.
* Maintains an active role in community affairs to improve company's visibility in the area; serves on various civic committees to increase company community involvement.
* Maintains a thorough knowledge of the features and benefits of all company commercial products and services in order to ascertain customer needs and to sell in conjunction with these needs.
* Assists customers in obtaining specialized services from other company departments as necessary; provides help to customers with specific inquiries or service problems.
* Assists in compiling loan packages and facilitates negotiation of loan structure with applicant; ensures loan agreements are complete and accurate according to company policy; assures timely loan closing and funding activities.
* Assists in line renewals, term loan extensions, collecting financial statements, credit underwriting and evaluation, loan structuring, and exception monitoring.
* Develops and manages agricultural loan accounts which meet established lending requirements and which provide maximum profitability to the company with minimum risk.
* Maintains credit quality and portfolio administration within company guidelines including participation in the collection of delinquent accounts.
* Continues ongoing education to stay abreast of current lending regulations and procedures.
* Continues on going education to stay abreast of agricultural issues that impact our customers and the organization.
* Interviews loan applicants and collects and analyzes financial and related data to determine the general creditability of the prospect and the merits of the specific loan request; establishes and negotiates the terms under which credit will be extended, including the costs, repayment, and collateral requirement.
* Maintains a working knowledge of company operating policies and procedures which impact commercial services.
* Responds to inquiries relating to his/her particular area, or to requests from customers, other company personnel, etc., within given time frames and within established policy.
* Provides sales information on a timely basis in order that this information may be included as part of customer service and sales performance reports.
* Prepares and maintains accurate records of all customer service calls made and meetings held with present and prospective customers.
* Maintains appropriate records and provides assigned reports.
* Communicates with department management, other department managers, and appropriate staff personnel in order to integrate goals and activities.
* Performs tasks, which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.
* Regular and predictable attendance is required.
Education & Qualifications
* A B.S. or B.A. degree in a related field normally required; specialized banking education and training.
* A minimum of two (2) years' experience in related positions normally required.
Skill(s)
Proficient reading, writing, grammar, and mathematics skills; proficient interpersonal relations, communicative, analytical, judgment, decision making, and sales skills; able to work both independently and with a team; a thorough knowledge of the features and benefits of all company commercial products and services; in depth knowledge and skills in loan administration, loan servicing, and collateral valuation; a working knowledge of company operating policies and procedures which impact commercial services; ability to sit, stand, walk, bend, stoop, reach with hands or arms, use hands to manipulate objects, handle or feel, and lift items weighing 20 lbs. or less; visual, auditory and speaking skills; valid driver's license is required.
Equipment/Machines
* Automobile
* Telephone
* Calculator
* PC
* Printer
* Fax machine
* Copy machine
* Cell phone
Mid Penn Bank offers rewarding career opportunities, competitive wages, great incentives and benefits.
Qualified applicants are considered without regard to race, color, age, sex, sexual orientation, gender identity, religion, national origin, genetic information, pregnancy, disability, or protected veteran status. We also comply with all applicable laws governing employment practices and do not discriminate on the basis of any unlawful criteria.
Equal Opportunity Employer-Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity