Role

Originates and manages a portfolio of agribusiness loans with the overall objective of maintaining and increasing its asset quality. Responsible to develop new and existing agribusiness relationships, and promote the growth of deposits and electronic banking tools.

Major Duties and Responsibilities

• Position will have specified agribusiness loan and deposit production expectations that will be required to be met on an ongoing basis. Position will be responsible for the oversight and growth of an agribusiness lending portfolio. The portfolio management expectation will have delinquency and credit risk ratings monitored to ensure that loans are being made and maintained within policy and procedural guidelines. Cultivate and meet with prospective and current members to collect information concerning their agribusiness needs, evaluation of income, collateral, and overall financial condition. Agribusiness Lender will have delegated lending authority to approve and originate agribusiness loans. Responsible to collaborate with Business Specialists, and Credit Analysts, in preparation of loan presentations. Position will approve loans within loan officer limits or submit loans to the Executive Loan Committee and Board Loan Committee when exceeding lender limits.
• Accountable for new business development and gaining relationships with centers of influence through community involvement, networking events, and non-profit boards. Responsible for the ongoing cultivation of new leads both organically and outside. Maintains and strengthens relationships with existing member base.
• Required cross sales expectations set annually and will be required to be met on an ongoing basis. Follows up on referrals and identifies cross sell opportunities to educate members and non-members on credit union products and services. Initiate, create and deliver agribusiness lending and deposit presentations for local agribusinesses or internal Credit Union seminars. Responsible for following up with members after closing to access any further needs or answer questions.
• Completes required annual training courses provided by the training and compliance department. Position will continually be engaged in development of personal ongoing learning as well providing planning and actionable development of teams managed.
• Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

Knowledge and Skills

EXPERIENCE

• Three plus years experience in agribusiness lending.

EDUCATION/CERTIFICATIONS/LICENSES

• A college degree.

INTERPERSONAL SKILLS

A significant level of trust and diplomacy is required to be an effective subject matter expert in this position. Indepth
dialogues, conversations, and explanations with customers is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance. Effective internal communication is also critical for the success of this role.

ADA Requirements
PHYSICAL REQUIREMENTS
Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

WORKING CONDITIONS
Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

MENTAL AND/OR EMOTIONAL REQUIREMENTS
Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Acknowledgement

Nothing in the position description restricts management’s right to assign or reassign duties and
responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This Job description is not a contract and should not be constructed as a guarantee of employment for any period of time.
Interra Credit Union is an Equal Opportunity Employer and does not discriminate against employees or
applicants based on race color, religion, sex/gender, national origin, disability, age, or any other category
protected by law.