Job Description

This position must possess the technical skills needed to underwrite, document and administer a sizable portion of small, midlevel and large ag/commercial loans. In addition, this position requires proficiency at business development and will be expected to actively solicit new loan relationships within the constraints of the Bank’s loan policy. Generally, a candidate for this position will have functioned as an Ag or Commercial Loan Officer or Credit Officer for a period of at least three years.

Primary Duties:

• Interview prospective small, midlevel and large Ag or Commercial loan customers in an effort to make a preliminary determination as to the nature and feasibility of the credit request.
• Work closely with Bell Mortgage Officers to encourage and receive referrals of Ag or Commercial Loan prospects and Private Banking prospects.
• Assist in the analysis of financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request.
• Establish and negotiate, where necessary, terms under which the credit could be structured, including the costs, repayment methods and collateral requirements.
• Assist in the preparation of the Loan Committee Presentation and required supporting documentation. This package must be prepared in accordance with the standards established in the loan policy.
• Present to the appropriate loan committee for review and approval all loans in excess of the individual lending authority.
• Provide guidance to the loan document representative and Ag Commercial Lending Assistant in preparation of loan documentation.
• Monitor credit facilities once they are booked. Assess interim financial information, borrowing base reports and other supporting documentation. Assist in the collection of past due loan payments and must utilize his/her support staff to obtain required information and to resolve file technical exceptions.
• Administer all problem credits, implementing the goals and objectives established and agreed upon through the completion of a problem workout strategy.
• Actively engage in business development. Bank wide goals for business development will be established through biweekly business development meetings. In this context, business development includes ongoing contact with existing Ag or Commercial customers.
• Active involvement in community and civic affairs.
• Mentor junior lending officers in the credit extension process.
• Undertake special projects as assigned, as time permits.
• Know by name and face as many customers and employees as possible, calling them by name as often as possible.
• Know and practice LOCBUTN, our Golden Rules and Bell Bank Customer Service Standards.
• Know, understand and live the company values and bottom line.
• Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
• All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
• Prompt and reliable attendance.
• Perform other duties as assigned.

Job Skills Required:

• B.A. in accounting, finance, business administration or related field.
• At least three years of credit, lending or examining experience.
• Working knowledge of loan documentation.
• Above-average written and communication skills.
• Proficiency with computer technology.
• Ability to deal with multiple tasks and deadlines.
• Effective time management and organizational skills.