Job Description

Job Description

Job Description

Responsible for managing, maintaining, and retaining an agriculture loan portfolio, adhering to credit quality standards and administrative guidelines. Achieve defined loan growth goals by actively identifying prospects, soliciting business, and developing credit solutions to meet the business needs of customers. Assist Marketing in developing campaigns/strategies to attract business and enhance the market. Act as a project/program manager to oversee supplemental activities on behalf of the Bank.

Qualifications:

Education: Bachelor's degree (B.A.) in Agriculture. Or a degree in Business Administration, Financial Management or other related field required provided that the individual has farm experience.

Licenses/Certifications: Valid Ohio Driver's License.

Experience: A minimum of five to seven years of Ag/farm experience, formal credit training or equivalent credit risk experience. Previous managerial experience required.

Essential Functions:

A: Job Specific:

• Responsible for developing revenue growth through generation of ag loans (farm real estate, operating lines of credit, equipment loans and leasing), deposits, fee income and cross-selling all applicable Bank services to existing customer base, and to identify and solicit Bank services to non-customers.
• Support the Bank's strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge.
• Prospect for clients in a new business development capacity by utilizing referral sources, existing clients and centers of influence. Conduct thorough effective pre-call planning, concise sales calls and prompt post call follow up.
• Coordinate with farm service agency to obtain USDA guarantees on farm loans.
• Responsible for meeting customer retention goals. Establish and maintain a customer visitation program. Present information, anticipate problems, and resolve issues and follow-up in a timely manner. Deepen current relationship by exceeding customer service standards.
• Ensure that customer relationships are managed to the highest profit potential for the Bank, taking into account Bank risk and customer needs.
• Responsible for relationship review and overall relationship profitability.
• Meet with customers/prospects to identify credit needs and develop/initiate a credit/deposit solution to assist the customer in meeting their financial needs.
• Attend community and/or specific industry forums, conferences and/or meetings in order to broaden relationship networks and continually deepen knowledge of trends, practices, services and the competitive landscape. Coordinate the annual Ag Outlook sessions.
• Cross-sell all applicable products and services to an existing portfolio of business customers and their owners/senior management. Refer customers in need of specialized services to the appropriate business partner (ie. Financial Advisor and Business Development Officer).
• Develop calling plans to define necessary activity to attract and retain customer base. Utilize Customer Relationship Management system for client activity tracking. Manage call reports and pipeline. Complete administrative responsibilities in a timely manner.
• Monitor, on an ongoing basis, information concerning customer financial performance, condition, and industry trends to determine credit exposure and verify it is priced accordingly.
• Maintain a thorough understanding of the Lending Policy and documentation procedures and ensure each credit is managed according to these requirements.
• Ensure all credits conform to the Loan Review Policy.
• Assist Credit Analyst with obtaining complete and accurate financial and background information required for underwriting.
• Supervises the Department's staff, to include but not be limited to, making hiring recommendations, evaluating performance, and providing on-the-job training.
• Works with HR to initiate corrective action and/or development plans, evaluate performance and develop staff members.

Knowledge/Skills/Abilities:

• The ability to communicate effectively and clearly, both in verbal and written communications.
• Excellent interpersonal skills.
• Strong knowledge of the business area that is being supported.
• Self-directed and motivated.
• The ability to manage multiple tasks.
• Excellent problem-solving skills.
• Ability to calculate figures as it relates to accounting/lending processes.
• Ability to understand cash flows and analyze financial statements as it relates to farming (crops and/or livestock).
• Ability to build new client business and provide a positive client experience.

Sutton Bank is an Affirmative Action and Equal Employment Opportunity employer.. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, pregnancy, disability or protected veteran status.

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