First Security Bank & Trust, located in Charles City, IA, is looking for an experienced Ag/Commercial Lender to support customers as they achieve their financial goals and expand their businesses. This role offers a competitive salary, benefits package, and a sign-on bonus. With over 120 years of dedicated community service, the bank is committed to providing personalized financial solutions and fostering strong local relationships.

POSITION SUMMARY: This position is responsible for identifying, acquiring, and growing new relationships with Ag, Commercial and Commercial Real Estate customers to help the bank meet their strategic initiatives and objectives. This individual will also work diligently to retain existing borrowing customers. The lender will call on existing borrowers, new prospects, and evaluate customer needs and goals, while building positive relationships. This individual will work as a team member and exhibit strong support to those on his or her team. Manages a portfolio in excess of $30MM.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Responsible for seeking, developing, and procuring loan and deposit opportunities in both new and existing borrower relationships, with a goal of increasing the bank’s overall loan portfolio and improving penetration in the bank’s trade territory.
• Interview loan applicants to determine their goals and needs and find opportunities and solutions through a “team approach.”
• Ensure quality loans by following established underwriting guidelines of the bank and government sponsored programs, credit administration requirements and bank approval process.
• Manage a loan portfolio in excess of $30MM, with multiple relationships over $1Million.
• Promote an environment of teamwork by providing guidance and assisting other lending team members, when needed and working in a respectful manner at all times.
• May be asked to mentor other Lenders.
• Monitor existing loan portfolio by keeping in contact with customers, ensure their needs are being met, and stay cognizant of developing trends in their business.
• Manage assigned portfolio proactively with consistent measurement of portfolio health, including timely financial collections, FS analysis and loss mitigation through delinquency and bad debt action planning.
• Maintain product knowledge of all bank services and cross-sell other bank products by referral to appropriate areas.
• Attend appropriate lending educational opportunities to stay current with industry trends and other pertinent information.

• Participate in community activities, industry associations, business events, farm auctions, etc. to increase the bank’s visibility and to enhance new business opportunities.

• Participate in bank-sponsored events as outlined in financial institution’s “Community Events Program.”

• Perform additional duties as they become assigned or apparent

DESIRED KNOWLEDGE, SKILLS, & ABILITIES

• Ability to work in a mobile environment, keeping good communication with other team members, while maintaining a high level of confidentiality.

• Proven record of customer-focused, critical thinking skills.

• High level of sales and interpersonal skills in dealing with new prospects, clients, bank staff, and outside vendors.
• Ability to learn and interpret rules and regulations related to agricultural and commercial lending.
• Proficient in basic computer skills using Microsoft Office products.
• Strong organizational skills with ability to prioritize multiple tasks and work under pressure.
• Effective writing and verbal communication skills

QUALIFICATIONS

Education: Bachelor’s degree in Business Finance, Agriculture, or an equivalent number of years’ experience in an agriculture business environment.

Experience: 10 years lending experience. Work experience should include preparing loan presentations for approval, serving existing customers and developing new business relationships. Previous responsibility for developing and mentoring less experienced lenders would be beneficial.

Statements included on this job description are intended to describe the general nature and level of work performed by the employee(s) assigned to this job. The statements should not be construed as an exhaustive list of responsibilities, duties, and skills required. Accommodations will be made to allow for meeting the above requirements when it does not place “undue hardship” on First Security Bank & Trust.