Business/Ag Banker

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.