Ag Banker

Ag Banker Position

First Western Bank is searching for an on-site Ag Banker at our community bank in either Sioux Falls or Harrisburg, SD.

Develop new agricultural loan business through securing, structuring, and closing loans, as well as maintain and service existing Ag lending portfolio.

• Conduct sales calls and meet with prospective and existing customers to establish new loan business
• Represent the bank in local community and at agriculture meetings and events to market the banks products, services, and expertise
• Administer individual loan portfolio including agriculture, agri-business, and other assigned loans
• Manage all new loan relationships and assigned relationships
• Service all performing and non-performing loans within individual loan portfolio
• Interview loan customers to determine lending needs
• Work with the Farm Service Agency, Small Business Administration, and Bank of North Dakota to qualify customers for available lending programs
• Negotiate direct lending terms as well as collateral and payment structures
• Meet with customers to request information for loan applications, credit reports, background checks, and other information needed for loan evaluation
• Compile financial information including income tax records, balance sheets, annual cash flow budgets, and other data to create loan spreads
• Analyze applicant financial status and conduct collateral evaluations to make lending decisions
• Approve credits up to authorized lending limit and prepare those that exceed limits for loan committee and/or Board approval

Five years experience in bank lending, loan review, compliance, or finance

• Strong understanding of financial statements and credit standards
• Knowledge of agriculture industry preferred

Building Relationships able to grow and maintain strong long-term customer relationships

Business Judgment able to identify business relationships and make sound decisions that are in the best interest and long-term success of the bank

Communication excellent written and verbal communication skills to clearly convey information to diverse audiences

Customer Focus able to understand customer needs and promote the value of the banks products and services

Emotional Intelligence can navigate difficult situations with empathy and understanding, fostering positive relationships

Interpersonal Skills can communicate and interact with others in a way that promotes mutual respect and trust

Negotiation able to lead negotiations and convert them to mutually beneficial agreements or solutions

Persuasiveness ability to build strong relationships and trust with colleagues, clients, and stakeholders; fostering collaboration and consensus

Problem-Solving skilled in identifying and resolving complex problems using analytical and critical thinking skills

Resilience able to bounce back from difficult situations and maintain a positive attitude and performance

Teamwork proven ability to work collaboratively in a team environment to achieve common goals

Time Management highly organized and efficient, with a proven ability to manage multiple projects and meet deadlines

Willingness to Learn open to new ideas, seeks opportunities to expand knowledge and skills, actively participates in training programs, and seeks feedback to enhance performance

Technology - skilled in Microsoft Office (Publisher, Power Point, Word, Excel, Outlook), and social media platforms

First Western Bank & Trust is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, age, disability, genetic information, marital status, or veteran status.