Senior Ag/Business Banking Officer Job Description

Position Title: Senior Ag/Business Banking Officer
Reports to: Location President
Classification: Exempt
Revised: February 2023

Scope

Reporting to the Location President, the Senior Ag/Business Banking Officer is responsible for assisting with the daily operations of the branch, helping to lead lending and business development initiatives of the location and supervision of staff. The quality and nature of this leadership will result in meeting the needs of the customers, staff and bank while achieving both the short and long-term goals of the bank.

The Senior Ag/Business Banking Officer is responsible for developing and servicing loan volume for the market in which it operates. As part of this, the Senior Ag/Business Banking Officer is responsible for public relations and generation of new business in accordance with the goals and objectives of the bank. Represents the bank in the local community through active participation in community affairs.


Accountabilities


Lending: 45%

  • Assist in developing and achieving goals for loan growth, quality, and pricing for the location. 
  • Responsible for generating individual loans within guidelines set by bank policy and growth targets.
  • Assist with implementing bank policy regarding the lending function.
  • Assist with the overseeing of the location lending function in such a way that the resulting efficiency, quality, and consistency of loan delivery maximize both customer service quality and bank profitability.
  • Follow up with delinquent loans to maintain the quality of the loan portfolio.
  • Responsible for strengthening customer relationships with existing customers and help attract prospects to the bank. This will be accomplished through understanding the full account relationships with customers and making sales calls to those customers to solicit additional product sales. 

Business Development: 30%

  • Help to develop strategies and establish goals for increasing location volume of deposits, loans, and other bank services.
  • Work with location staff in establishing and meeting goals aimed at expanding existing customer relationships and building new ones.
  • Must help cross-sell customers to other (non-lending) bank products and services. This may include checking accounts, certificates, cash management products or the like. 

Location Administration: 15%

  • Support the atmosphere within the location that attains and maintains a high level of morale and embraces our Vision, Mission, Values and Service Standards.
  • Assist with training staff, implementing, and ensuring all bank policies and procedures are known and followed at the location.
  • Assist in setting and achieving location budgets.
  • Provide leadership for location specific promotions and initiatives.
  • Assist with annual performance evaluations and coaching and mentoring staff daily.
  • Assure that the properties and facilities are kept in accordance with bank standards for appearance, cleanliness, and safety. 

Supervision: 5%

  • Directly manage a team of professionals and assume responsibility for implementation of tactics in their area of responsibility.
  • Assist with the selection and motivation of staff and help develop a culture that will help determine the effectiveness of the staff in getting their respective jobs accomplished.
  • Will develop tactics to ensure implementation of the bank’s strategic direction. These tactics can include goals for growth, products, staff, and the like.
  • Will ensure implementation of the tactics through assigning responsibility and developing the tracking needed to assure that desired results are achieved and ensure that the staff is achieving their individual goals. 

Other: 5%

  • Active involvement in key community, banking and civic organizations and activities, as appropriate, to represent the bank in the community.
  • As part of the overall team of bank employees, this position may be requested to assist in the support of other bank activities. 

Competencies

Adaptability

Able to adjust quickly to different work situations and remain composed under pressure and in stressful situations. Must embrace change and see change as an opportunity. Must be willing to express and support management's ideas to affected staff. Consider themselves as part of a larger bank team and helps build teamwork.


Attention to Detail

Regard for all important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details. Able to develop personal tracking/reminder systems to assure that important activities are not missed. 


Financial Analysis

Must clearly understand all aspects of accounting and finance in a community bank environment. This includes understanding reconcilement, general ledger, budgeting, and pricing along with the ability to understand numbers and use those skills as they pertain to loans and the loan underwriting process.


Negotiation & Sales Skills

Must understand the concepts of negotiating and sales as it pertains to selling financial service products in a community bank. Must be able to cross sell customers and make referrals to other areas of the bank. Must be able to develop a “win-win” approach to problem solving with customers.


Oral/Written Communication

The ability to express and to communicate thoughts and ideas in a professional, clear, and concise manner, both orally and in written form to a variety of audiences and to all levels of staff. Must be willing to express and support management’s ideas to affected staff.


Professionalism

Projects a positive image of the bank to all internal and external customers at all times along with the ability to work well with others. Helps to build and promote teamwork. Promotes the bank’s image of a supportive corporate citizen within the community. Fiduciary responsibility for safekeeping confidential and sensitive information requires ethics and professionalism beyond reproach.
 

Supervision

Offers the proper training and coaching for new and current employees and set and measure performance standards. Must be able to set targets, develop action plans, provide feedback and praise/discipline as warranted and be able to motivate staff using both monetary and non-monetary rewards to recognize good performance and meet the goals that have been developed. Must have the ability to resolve personnel issues and conflicts that arise in such a way that maintains a positive work environment. Consider themselves as part of a larger bank team and helps build teamwork.
 

Time & Work Management

 The capacity to manage one’s work, outline overall project plans, determine necessary steps for its completion and delegation of tasks to the appropriate staff to assure the project is finished accurately, on time and within budget. Must have the ability to set targets, develop action plans, and measure results against the defined target goals. The ability to prioritize tasks to make the best use of time for high priority tasks is vital. Makes prudent decisions; creates policies and procedures; provides managerial direction and leadership at a high level of accountability. Seeks opportunities to develop personal abilities.


Education and Special Requirements

  •  Four-year degree in business or related field along with fifteen years of experience preferably in a community bank lending environment
  • Previous supervisory experience preferred.
  • This job requires skills needed in a typical office environment. This includes computer skills as well as utilization of typical office equipment.
  • Internal: BAI Courses: All Staff, Personal/Retail/Ag Banker, Real Estate Department (if applicable) 

Registered MLOs

If you are a registered MLO, you will have the following duties:
  • Responsible for the generation of real estate loans for the bank within guidelines set by bank policy and growth targets. This will include soliciting new business relationships and deepening relationships with existing customers.
  • This position will handle phone inquiries regarding mortgage rates and requirements for getting a loan with the bank.
  • During the loan process, this person will assist customers through the mortgage process and handle issues as they arise.
  • This position is responsible to close the loan with the customer.
  • This person is responsible to control the past due loans on the real estate portfolio. Maintain current mortgages and collect delinquent payments.
  • This position is required to register with the Nationwide Mortgage Licensing System & Registry. This position will need to comply with initial registration and ongoing registry requirements. 

 

Peoples Bank is an Equal Opportunity/Access/Affirmative Action/Pro Disabled & Veteran Employer.