The Business & Ag Banker is responsible for building customer relationships and advocacy through proactive business development, management and analysis of a loan and deposit portfolio.
This role is responsible for generating new loan and deposit volume including the solicitation and profiling of prospective clients and the maintenance of accurate sales/pipeline data .
The Business & Ag Banker has a baseline knowledge of credit underwriting and works in conjunction with credit team to present and analyze client data.
Responsibilities
Customer Relationship Management
Act as the primary point of contact for clients seeking credit and lending services.
Build and nurture strong relationships with clients to understand their financial needs and objectives.
Provide personalized financial advice and solutions based on clients’ creditworthiness and financial goals.
Credit Analysis
Assess loan applications and creditworthiness of clients to determine eligibility for various credit products.
Analyze financial statements, credit reports, and other relevant documents to evaluate risk and recommend suitable credit solutions.
Ensure compliance with regulatory requirements and internal credit policies during the evaluation process.
Business Banking
Recommend appropriate products such as personal loans, mortgages, lines of credit, and business loans to clients based on their financial profiles and needs.
Explain the terms, conditions, and risks associated with various credit products to clients to help them make informed decisions.
Work with clients to structure loan terms, interest rates, and repayment schedules that align with their financial capacity and objectives.
Collaborate with internal teams to customize solutions for complex or specialized lending requirements.
Sales & Business Development
Identify and pursue opportunities to grow the bank’s portfolio through proactive business development efforts.
Actively cross-sell other financial products and services offered by the bank to enhance customer relationships and loyalty.
Documentation, Compliance and other Responsibilities
Ensure accurate and complete documentation for loan applications and maintain proper records in compliance with regulatory standards and internal policies.
Stay up-to-date with industry trends, changes and lending regulations, and best practices to ensure the bank’s credit processes are aligned with current standards.
Experience
Preferred
Proven ability to network, business development, connect in the community and across referral partners throughout Choice
Demonstrated ability to work independently as part of a team to achieve business objectives
Exceptional communication and interpersonal skills to build rapport with customers
Excellent analytical skills with the ability to assess and mitigate risk
Familiarity with regulatory requirements and compliance standards in the financial industry
Knowledge of financial products, credit models, and lending practices
1 year(s): years of related customer service or sales experience preferred
1 year(s): Years of underwriting or related experience preferred
Education
Required
Bachelors or better in Accounting
Bachelors or better in Finance
Bachelors or better in Business Administration
Skills
Preferred
Embraces change and encourages innovation
Commits to customers with undivided attention
Keeps confidentiality
Has a little fun
Creates personal & professional growth opport
Knows when to offer and ask for help
Fosters direct and honest communication
Solves problems & makes decisions
Respects self and others
Does the right thing
Completes work timely and accurately
Works hard
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.
However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information.
41 CFR 60-1.
35(c)
Whatsapp
