FCN Bank Agricultural Loan Officer Department: Commercial Lending
Job Status: Full-time
FLSA Status: Exempt
Reports to: Chief Lending Officer
Positions Supervised: None
Amount of Travel Required: Local
Work Schedule: Monday – Friday (Some evenings and weekends if needed)
Position Summary
Responsible for developing, managing, and growing an agricultural loan portfolio through relationship-based banking. This role focuses on serving farmers, agribusinesses, and rural customers by providing tailored financial solutions that support long-term success. The Agricultural Lender builds strong relationships, evaluates creditworthiness, structures sound loan solutions, and ensures ongoing portfolio quality and profitability while actively supporting the Bank's mission of building stronger communities.
Key Responsibilities:
- Develop and maintain a pipeline of agricultural lending opportunities through proactive calling efforts, farm visits, engagement with customers, prospects, and Centers of Influence (COIs).
- Interview applicants to determine credit needs and gather financial, operational, and collateral information for loan applications.
- Analyze financial statements, tax returns, production history, and collateral to assess creditworthiness and determine appropriate loan structure.
- Structure agricultural loans within Bank policy, including operating lines, equipment financing, real estate, and other ag-related credit needs.
- Approve loans within established authority or present opportunities to the Credit Department and/or Loan Committee for approval.
- Prepare and present financing proposals and letters of commitment to customers in a clear, professional manner.
- Ensure timely and accurate loan closing, documentation, and funding.
- Manage and monitor assigned loan portfolio, including renewals, modifications, updated financial analysis, and ongoing credit quality.
- Monitor borrower performance, including crop cycles, market conditions, financial reporting, and repayment capacity.
- Take primary responsibility for collection efforts within assigned portfolio, addressing issues proactively.
- Build and maintain strong relationships with customers, internal teams, local professionals, and community organizations.
- Cross-sell additional Bank products and services to meet customer needs and strengthen relationships.
- Represent the Bank through active participation in agricultural, community, and professional organizations and events.
- Perform other duties as assigned.
Skills & Abilities
Experience and/or Education:
- Bachelor's degree in Business, Agriculture, Finance, or related field preferred.
- Minimum of five (5) years of lending or financial services experience, with agricultural lending experience strongly preferred.
- Formal credit training preferred.
- Demonstrated ability to develop new business and achieve loan growth goals
- Knowledge of local market and agricultural community is highly desirable.
Skills:
- Strong understanding of agricultural operations, cycles, and financial drivers preferred.
- Ability to analyze and interpret financial statements, tax returns, and credit reports.
- Sound judgment in decision-making, problem-solving, and relationship management.
- Strong written and verbal communication skills with the ability to present and explain financial solutions.
- Ability to build trust and maintain long-term customer relationships.
- High level of accuracy, organization, and attention to detail with the ability to manage multiple priorities.
- Strong analytical and mathematical skills, including credit underwriting and loan structuring.
- Proficiency in Microsoft Office products (Excel, Word, and other Windows-based systems).
At FCN, our people are our greatest differentiator and have a competitive advantage in the areas we serve. We are all united in delivering the best experience for our customers. We work together each day to promote an inclusive workplace culture where all employees feel respected, valued, and have an opportunity to contribute to the company's success.
If you are passionate about making a difference in your community and possess the skills and experience to excel in this role, we invite you to join the FCN Bank team as our newest Agricultural Loan Officer. Together, we can build stronger communities and empower individuals and businesses to thrive financially. Apply today and be a part of our mission to create a lasting impact.
Compensation details: 85000-120000
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