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Form of workWisconsin Bank and Trus, a division of HTLF Bank, is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.
Wisconsin Bank and Trust, a division of HTLF Bank, is a growing dynamic organization with many locations offering uniquely different banking and financial solutions for businesses and personal clients. As a performance driven company, we strive to create a culture of excellence with high standards, and high values while providing outstanding growth and involvement opportunities for employees. Join a team that makes "Great Things Happen!"™
Under general direction, the Commercial/Ag Banker II is responsible for increasing sales by originating new agricultural business relationships and cross selling products to existing clients. The main focus will be growing deposits, loans and fee income in a profitable manner.
RESPONSIBILITIES:
1. Participates in the business development activities of the bank:
a. Identifies appropriate prospects within defined target markets, creates and manages an effective prospect list and perform activities to insure growth in loan portfolios.
b. Serves our prospects and customers through a consultative selling, trusted advisor role to assist them in recognizing and tackling business opportunities and risks, and helping them accomplish their goals while maximizing our effectiveness.
c. Promotes and cross-sells all bank products and services as appropriate.
d. Seeks out expertise within the company (i.e., governmental guaranty, cash management, specific industry knowledge) to assist in the development of customer relationships.
e. Concludes the sales process by gathering and evaluating financial statements and related data from the prospect or customer, determining potential credit worthiness, and establishing and negotiating proposed credit terms.
f. Reviews and directs new credit requests for existing clients and prospects to ensure adequate business discussions occur and to pursue creditworthy opportunities.
g. Leads constructive discussions with clients and prospects regarding succession planning, growth strategies thru organic efforts and/or acquisition, access to capital planning, strategic planning, and specific industry characteristics and trends. These discussions should include potential values that we provide thru Wealth Management, Treasury Management, Equipment Leasing, Government Guarantee Financing options, direct financing and other lines of business."
h. Prepares for, attends and participates in sales development meetings.
i. Responsible for the accurate completion of duties remains with the Ag Banker, however specific tasks may be delegated to Portfolio Managers and Loan Assistants.
2. Participates in the underwriting and documentation of the credit:
a. Utilizes the business case discussion and subsequent meetings with bank management, the credit department, industry specialists and other interested parties to exchange information and ideas, and to seek to understand the opinions of others.
b. Ensures that all relevant information is provided to the credit department in a timely and efficient manner.
c. Utilizes the credit department to assist in the underwriting of all credits over individual lending limits.
d. Obtains and documents credit approval.
e. Assures that all client documents and customer agreements, credit and non-credit alike are accurate and properly executed, and funds are not released until all documents are properly executed.
3. Participates in the management of a loan portfolio:
a. Monitors the portfolio for credit quality. Understands, detects and reports the early warning signs of problem credits so as to minimize the risk of credit loss and to maintain appropriate risk ratings on all loans.
b. Insures the Lender Annual Reviews and collateral monitoring is completed on a timely basis.
c. Continuously monitors customer performance and maintains timely reporting to include:
i. Receipt of and review of financial statements.
ii. Monitors agreed Covenant
d. Pursues the collection of any delinquent account immediately.
e. Follows up on any open documentation or tickler item such as insurance, tax, or stale financial information.
4. Performs other expectations of the job:
a) Achieves annual performance goals.
b) Conducts business in compliance with bank policies and procedures, as well as all federal and state laws and regulations.
c) Actively involved and seeks leadership role in community activities that will promote the bank and/or assist in business development.
d) Continuously seeks additional knowledge and training to enhance sales, credit, and people skills.
5. Completes annual E-Learning Plan and Bank Secrecy Act (BSA) training as assigned and keeps up-to-date knowledge of BSA as it relates to the job function.
REQUIRED SKILLS & EXPERIENCE:
1. Associate's or Bachelor's Degree in Accounting, Business, Economics, Finance or a related field preferred
2. 2+ years of Commercial Banking experience with a focus on agricultural credits strongly preferred
3. Formal credit training and experience required
4. Demonstrated success in relationship management, sales and business development
Scheduled Weekly Hours:
40
Time Type:
Full time
Wisconsin Bank and Trust, a division of HTLF Bank, is a growing dynamic organization with many locations offering uniquely different banking and financial solutions for businesses and personal clients. As a performance driven company, we strive to create a culture of excellence with high standards, and high values while providing outstanding growth and involvement opportunities for employees. Join a team that makes "Great Things Happen!"™
Under general direction, the Commercial/Ag Banker II is responsible for increasing sales by originating new agricultural business relationships and cross selling products to existing clients. The main focus will be growing deposits, loans and fee income in a profitable manner.
RESPONSIBILITIES:
1. Participates in the business development activities of the bank:
a. Identifies appropriate prospects within defined target markets, creates and manages an effective prospect list and perform activities to insure growth in loan portfolios.
b. Serves our prospects and customers through a consultative selling, trusted advisor role to assist them in recognizing and tackling business opportunities and risks, and helping them accomplish their goals while maximizing our effectiveness.
c. Promotes and cross-sells all bank products and services as appropriate.
d. Seeks out expertise within the company (i.e., governmental guaranty, cash management, specific industry knowledge) to assist in the development of customer relationships.
e. Concludes the sales process by gathering and evaluating financial statements and related data from the prospect or customer, determining potential credit worthiness, and establishing and negotiating proposed credit terms.
f. Reviews and directs new credit requests for existing clients and prospects to ensure adequate business discussions occur and to pursue creditworthy opportunities.
g. Leads constructive discussions with clients and prospects regarding succession planning, growth strategies thru organic efforts and/or acquisition, access to capital planning, strategic planning, and specific industry characteristics and trends. These discussions should include potential values that we provide thru Wealth Management, Treasury Management, Equipment Leasing, Government Guarantee Financing options, direct financing and other lines of business."
h. Prepares for, attends and participates in sales development meetings.
i. Responsible for the accurate completion of duties remains with the Ag Banker, however specific tasks may be delegated to Portfolio Managers and Loan Assistants.
2. Participates in the underwriting and documentation of the credit:
a. Utilizes the business case discussion and subsequent meetings with bank management, the credit department, industry specialists and other interested parties to exchange information and ideas, and to seek to understand the opinions of others.
b. Ensures that all relevant information is provided to the credit department in a timely and efficient manner.
c. Utilizes the credit department to assist in the underwriting of all credits over individual lending limits.
d. Obtains and documents credit approval.
e. Assures that all client documents and customer agreements, credit and non-credit alike are accurate and properly executed, and funds are not released until all documents are properly executed.
3. Participates in the management of a loan portfolio:
a. Monitors the portfolio for credit quality. Understands, detects and reports the early warning signs of problem credits so as to minimize the risk of credit loss and to maintain appropriate risk ratings on all loans.
b. Insures the Lender Annual Reviews and collateral monitoring is completed on a timely basis.
c. Continuously monitors customer performance and maintains timely reporting to include:
i. Receipt of and review of financial statements.
ii. Monitors agreed Covenant
d. Pursues the collection of any delinquent account immediately.
e. Follows up on any open documentation or tickler item such as insurance, tax, or stale financial information.
4. Performs other expectations of the job:
a) Achieves annual performance goals.
b) Conducts business in compliance with bank policies and procedures, as well as all federal and state laws and regulations.
c) Actively involved and seeks leadership role in community activities that will promote the bank and/or assist in business development.
d) Continuously seeks additional knowledge and training to enhance sales, credit, and people skills.
5. Completes annual E-Learning Plan and Bank Secrecy Act (BSA) training as assigned and keeps up-to-date knowledge of BSA as it relates to the job function.
REQUIRED SKILLS & EXPERIENCE:
1. Associate's or Bachelor's Degree in Accounting, Business, Economics, Finance or a related field preferred
2. 2+ years of Commercial Banking experience with a focus on agricultural credits strongly preferred
3. Formal credit training and experience required
4. Demonstrated success in relationship management, sales and business development
Scheduled Weekly Hours:
40
Time Type:
Full time
