The Commercial/Ag Lender is directly responsible for developing and managing commercial and ag loan accounts that meet established lending objectives and requirements, driving marketing efforts to build positive relationships and loan portfolios; and for promoting the profitability and productivity of the bank.
Starting Salary: $98,976 annually. Consideration for pay is based on neutral factors and criteria such as required qualifications, experience, education, skill, training, certifications, or seniority and that we reserve the right to offer the selected candidate a salary at an appropriate level to be set and determined by the employer that is commensurate with the applicant’s qualification, experience, education, skill, training, certifications, or seniority.
Duties & Responsibilities
Interviews customers seeking loans, collects and analyzes financial and related data to determine if applicants meet established minimum criteria for creditworthiness, rejects or approves loans and terms within limits and established bank policies
Monitors loan repayment activities and performs field work as necessary to locate and collect delinquent loan payments or secure collateral; takes necessary actions to collect from past-due accounts
Develops and maintains positive relationships with existing and prospective customers
Cross sells bank products and services
Maintains knowledge and understanding of the commercial/ag lending functions, rules, regulations, laws, and policies & procedures
Actively participates in community events and represents the Bank with a high level of integrity and professionalism
Oversees cash management, and works closely with the Business Banking Officer to develop and meet sales goals for commercial deposits
Adheres to bank policies and supporting management decisions and goals in a positive, professional manner
Education & Work Experience Requirements
A bachelor degree in accounting, business, or finance is required; AND 3 years minimum experience performing as a commercial/ag lender.
Mental & Physical Requirements
Ability to sit/stand/kneel/bend/for extended periods of time, lift up to 20 lbs on occasion, developed interpersonal abilities, ability to work under high pressure while remaining composed, self-driven and motivated, ability to communicate with clients, co-workers, and outside agencies in writing, person, and over the telephone.
Competencies
Strong credit analysis and underwriting skills, advanced lending principles and methods business objectives of a lending department, proficiency in Microsoft Office products, proficiency in Bank core processing systems, attention to detail, organizational, time management, and problem solving skills.
Equal Opportunity Employer – State Street Bank offers equal employment opportunities, regardless of race, religion, national origin, sex, age, sexual orientation, disability or military status. This commitment is applied to every facet of employment, including recruiting, training, transfers, compensation, promotions and other terms and conditions of employment.
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