Ag Relationship Manager

Guthrie County State Bank is expanding our Ag Lending Team! As a pillar of the Guthrie Center and Panora communities, we’re deepening our commitment to the local agricultural industry by adding new Ag Relationship Managers.

We’re not just looking for lenders; we’re seeking individuals with a profound understanding of the agricultural landscape. If you have a true grasp of farming operations, the challenges and opportunities facing today’s producers, and a genuine passion for the industry, we want to talk to you.

Join a community-focused bank where you’ll build genuine relationships and help our local agricultural partners succeed. Responsibilities include developing and maintaining customer relationships, analyzing financial information, and servicing ag loans.

Essential Job Duties: Develop, retain and maintain mutually beneficial relationships with customers through loans, deposit accounts and other bank services.

Call on existing and prospective customers. Cross-sell bank products/services. Acquire complete deposit and lending relationship of existing and prospective customers. Meet with customers to analyze needs, risk and structure loans. Analyze financial and credit information. Ensure clear title to collateral. Develop file documentation. Keep apprised and ensure compliance and disclosure requirements are met. Prepare loan documents, close loans, and communicate with Loan Committee Monitor/service/amend/renew existing loans; collect loan payments when necessary. Work with attorneys as needed. Encourage referrals from accountants, attorneys and real estate agents. Participate in community activities. Other duties as assigned

Performance Meets Minimum Expectations When:

1. Annual portfolio performance goals are met within acceptable tolerances.
2. Loan policy and lending authority limits are followed. No significant losses occur due to failure to adhere to Loan Policy.
3. Past due percentages are within acceptable tolerances.
4. Documentation is thorough, accurate and consistently updated as required. Percentage of exceptions do not exceed acceptable levels.
5. Charge offs are minimal within acceptable levels.
6. Customer feedback is satisfactory.
7. Internal audit and credit review exams are satisfactory.
8. Regulatory and compliance exams are satisfactory.
9. No documentation errors result in classifying a loan.
10. Required training is completed and competency standards are met.
11. Overdraft losses fall within established parameters.
12. Operational procedures are followed accurately and timely.

experience/education/Skills:

2-5 years’ experience. Bachelor’s degree in business, finance or related field desirable. Strong knowledge of agriculture guidelines/strategies for production, operation and real estate. Knowledge of bank operations and all types of lending. Knowledge of regulatory guidelines. Knowledge of and ability to use personal computers and software utilized by bank. Technical competencies in financial analysis, collateral analysis and documentation preparation.

Required Competencies:

• INDEPENDENT SELF-DIRECTION
• CUSTOMER/PUBLIC INTERACTIONS
• COMMUNICATION METHODS
• CO-WORKER RELATIONSHIPS
• TIME MANAGEMENT, USE OF WORK TIME
• PROFESSIONAL/ETHICAL CONDUCT
• LEADERSHIP

Physical Demands and Work Environment:

Normal office environment. Extended hours and some travel. May make frequent farm visits.

This position description is meant to describe the typical kinds of duties or difficulty level that may be required of positions with this title. The use of a particular expression shall not limit or exclude other duties or difficulty levels not mentioned. This position description is not meant to limit or modify the organization’s right to assign, direct or control the work assigned to this position. It is possible that each listed duty may not be assigned to each incumbent.