Guthrie County State Bank is expanding our Ag Lending Team! As a pillar of the Guthrie Center and Panora communities, we’re deepening our commitment to the local agricultural industry by adding two new Ag Relationship Managers.
We’re not just looking for lenders; we’re seeking individuals with a profound understanding of the agricultural landscape. If you have a true grasp of farming operations, the challenges and opportunities facing today’s producers, and a genuine passion for the industry, we want to talk to you.
Join a community-focused bank where you’ll build genuine relationships and help our local agricultural partners succeed. Responsibilities include developing and maintaining customer relationships, analyzing financial information, and servicing ag loans.
APPLY TODAY by sending your resume to Mike Underwood at M.Underwood@gcsbank.com.
Job Description:
Position Title: Relationship Manager – Agriculture (Junior)
Reports To: President / Chief Credit Officer
Position Purpose:
To promote and provide lending services in accordance with the organization’s Mission Statement and Core Values. Types and concentrations of loans and portfolio volumes vary among lenders and bank locations. Additional responsibilities include supporting customer service and other operational activities.
Essential Functions and Typical Tasks:
Function: Develop, retain and maintain mutually beneficial relationships with customers through loans, deposit accounts and other bank services.
Typical Tasks:
– Call on existing and prospective customers.
– Acquire complete deposit and lending relationship of existing and prospective customers.
– Meet with customers to analyze needs, risk and structure loans.
– Analyze financial and credit information.
– Ensure clear title to collateral.
– Develop file documentation.
– Ensure compliance and disclosure requirements are met.
– Present loans at Loan Committee meetings as required.
– Prepare loan documents.
– Close loans.
– Work with Loan Processor to disburse funds.
– Participate in Loan Committee meetings, providing risk assessment input and policy input.
– Amend, renew and extend loans as needed.
– Cross-sell or make referrals for the sale of other bank products/services.
– Monitor/service existing loans; collect loan payments when necessary.
– Work with attorneys as needed.
– Encourage referrals from accountants, attorneys and real estate agents.
– Maintain product and regulatory knowledge.
– Keep apprised of regulatory compliance requirements.
– Participate in community activities.
Agricultural Loans
– Regularly inspect collateral. Monitor valuation and document appropriately.
– Update financial information as required.
Consumer Loans
– Pull Kelly Blue Book valuations on vehicle loans and document appropriately.
Mortgage Loans
– Have abstract updated.
– Obtain Title Opinion from attorney.
– Obtain Title Insurance when selling loan to secondary market.
– Perform real estate appraisal reviews and document appropriately.
– Inspect construction projects.
– Monitor draws on construction loans.
Performance Meets Minimum Expectations When:
– Annual portfolio performance goals are met within acceptable tolerances.
– Loan policy and lending authority limits are followed. No significant losses occur due to failure to adhere to Loan Policy.
– Past due percentages are within acceptable tolerances.
– Documentation is thorough, accurate and consistently updated as required. Percentage of exceptions do not exceed acceptable levels.
– Charge offs are minimal within acceptable levels.
– Customer feedback is satisfactory.
– Internal audit and credit review exams are satisfactory.
– Regulatory and compliance exams are satisfactory.
– No documentation errors result in classifying a loan.
– Required training is completed and competency standards are met.
– Overdraft losses fall within established parameters.
– Operational procedures are followed accurately and timely.
Function: Customer service activities.
Typical Tasks:
– Attract new checking and savings accounts and refer other investment accounts to GCSB Investment Center
– Answer telephone.
– Respond to customer inquiries.
– Make decisions or assist in making decisions regarding payment of overdrafts incurred by customers.
– Approve/authorize customer transactions as needed.
Performance Meets Minimum Expectations When:
– Feedback from location team regarding support is satisfactory.
– Customer feedback is satisfactory.
– New account documentation is accurate as evidenced by feedback from data entry processors.
– Overdraft losses fall within established parameters.
– Operational procedures are followed accurately and timely.
Experience/Education/Skills:
2-5 years of experience. Bachelor’s degree in business, finance or related field desirable. Strong knowledge of agriculture guidelines/strategies for production, operation and real estate. Knowledge of bank operations and all types of lending. Knowledge of regulatory guidelines. Knowledge of and ability to use personal computers and software utilized by bank. Technical competencies in financial analysis, collateral analysis and documentation preparation.
Required Competencies:
– INDEPENDENT SELF-DIRECTION – Must be able to fulfill the responsibilities of the position level with little or no supervision. Makes prudent decisions. Seeks opportunities to develop personal abilities.
– CUSTOMER/PUBLIC INTERACTIONS – Must be able to provide courteous, personal attention to promote individual customer satisfaction and the public perception and reputation of the organization. Takes advantage of opportunities to sell the services offered by the organization to diverse groups of customers. Promotes the company’s image of a supportive corporate citizen within the community.
– COMMUNICATION METHODS – Must be able to get important points across in the process of accurately completing a transaction to the satisfaction of the customer. Must be able to clearly communicate the value proposition to the customer. Listens carefully to complex issues in order to effectively respond. Difficult and sensitive issues require careful articulation so as to preserve a relationship or to prevent misunderstanding and potential liability to the organization.
– CO-WORKER RELATIONSHIPS – Must be able to cooperatively interact with co-workers so as to promote an effective, productive work unit. Sets a harmonious, respectful example for other co-workers. Is looked to as an informal leader. Promotes teamwork from one work unit to another, recognizing the necessity of interdepartmental cooperation and the importance of the contributions of others for the successful achievement of the organization’s goals and objectives. Values and builds effective relationships across all functions.
– TIME MANAGEMENT, USE OF WORK TIME – Must be able to organize and prioritize tasks to maximize productive results. Deadlines are met and customer services are expediently delivered.
– PROFESSIONAL/ETHICAL CONDUCT – Must be able to conduct oneself in a manner that promotes trust in the individual and the organization. Fiduciary responsibility for the safekeeping and management of valuable assets and/or highly confidential and sensitive information require ethics and professionalism beyond reproach. Any appearance of impropriety, due to the visibility or sensitivity of the position, could seriously jeopardize the organization’s position of trust and incur significant liability.
– LEADERSHIP – Must be able to lead and support others to achieve expected results. Communicates corporate philosophy and vision.
Physical Demands and Work Environment:
Normal office environment. Extended hours and some travel. May make frequent farm visits.
This position description is meant to describe the typical kinds of duties or difficulty level that may be required of positions with this title. The use of a particular expression shall not limit or exclude other duties or difficulty levels not mentioned. This position description is not meant to limit or modify the organization’s right to assign, direct or control the work assigned to this position. It is possible that each listed duty may not be assigned to each incumbent.
Levels of Experience and Scope:
Relationship Manager:
– 2-5 years experience.
– Portfolio $10 – $25 million.
– Quality and compliance standards met/consistently upheld.
– Competency standards achieved and tested.