Job description

Commercial/Agricultural Loan Officer
Recruiting an experienced Commercial/Agricultural Loan Officer that has agricultural (farm and ranch) lending experience to manage and grow an existing loan portfolio and be an integral part of our bank’s commercial lending team going forward.

Essential Functions and Basic Duties:

• Service and maintain an existing ag/commercial loan portfolio.
• Actively seek and promote new ag/commercial loans and bank product opportunities within current loan portfolio and with new prospects.
• Exhibit excellent interpersonal and communication skills. Build rapport and relationships with customers. Positively represent the bank’s image/brand to customers, in the industry, professional associations, community/civic organizations, agricultural community and local business groups.
• Effectivity management of the current loan portfolio to include obtaining updated financial/covenant information, cash flow/stress testing, evaluating the continued credit condition/repayment ability and collateral position.
• Be familiar with all types of collateral, equipment, crops, livestock, and the related detailed legal requirements to secure commercial loans.
• Make frequent outside calls on clients and prospects.
• Be a team player that builds rapport within the bank and with customers. Represent the bank’s 1907 circa legacy and its corporate mission, vison, and core values.

Requirements:

• Bachelor’s degree (accounting, finance and/or business) and 10 or more years in commercial lending experience is preferred.
• Be able to become proficient with bank’s CORE loan and credit underwriting systems.
• Have strong oral/written communication and interpersonal skills that provide the ability to work well with all levels of the organization.
• Have strong, accurate credit underwriting with equal financial and cash flow analytical skills.
• Able to work independently, multitask, adapt, prioritize, and find solutions as well as think and act proactively.

First State Bank of Uvalde provides equal employment opportunities to all employees and applicants for
employment and prohibits discrimination and harassment of any type without regard to race, color,
religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation,
gender identity or expression, or any other characteristic protected by federal, state or local laws.
This policy applies to all terms and conditions of employment, including recruiting, hiring, placement,
promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.
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Job Type: Full-time

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