Agricultural Banking Officer

Central Bank
Sioux City, IA 51101
United States
Job Description

Job Type




The Agricultural Banking Officer is responsible for the business development efforts within an assigned market area, culminating in the creation of new or enhanced deposit relationships and is able to produce and maintain a large portfolio of loan business. Accountable for the evaluation and recommendation of approval for agricultural loans. 


The essential functions include, but are not limited to the following:

Portfolio Growth & Referrals 40%

  • Seek out prospective business/corporate clients and actively solicit high quality new loan business as well as new deposit relationships. 
  • Participate in community affairs to increase banks visibility and to enhance new and existing business opportunities. 
  • Achieve individual and department sales goals through new business sales, referrals, and retention of account relationships. 
  • Proactively cross-sell additional products through referrals and outbound calling with the goal of building rapport and life-long relationships with Bank customers.
  • Analyze potential commercial loan markets to develop prospects for loans. 
  • Maintain current knowledge of financial markets, trends, and technology. 

Lending & Customer Service 30%

  • Meet with business/corporate clients, actively listen to their needs and goals, and propose recommendations and service action. 
  • Demonstrate personal commitment to excellence in sales and service to customers and other employees. 
  • Refer any customer questions regarding products or service to the appropriate person. 
  • Handle customer complaints and take appropriate action to resolve them. 
  • Stay abreast of new types of loans, treasury management products, and other financial services and products to better meet customers’ needs. 
  • Negotiate payment arrangements with customers who have delinquent loans. 
  • Prepare repots to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action. 

Loan Operations 20%

  • Analyze applicants’ financial statue, credit, and property evaluations to determine feasibility of granting loans. 
  • Obtain and compile copies of loan applicants credit histories, corporate financial statements, and other financial information. 
  • Ensure loan agreements are complete and accurate according to policies, procedures, and standards. 
  • Approve loans within specified limits and refer loan applications outside those limits to management for approval. 
  • Service loan portfolio to ensure compliance with loan policy, approval conditions, and approved financing plans. 
  • Correspond with or interview applicant or creditors to resolve questions regarding application information. 
  • Conduct on-site inspections at customer locations to determine customer products. 

Other 10%

  • Provides guidance to the credit department and/or less seasoned lenders in the development and analysis of financial background data for new or renewed loans. 
  • Develop strong professional relationship with members of the bank’s other departments, as well as external representatives. 
  • Perform all other duties as assigned. 



· Bachelor’s degree required or equivalent work experience 

· Minimum of two (2) years of experience in similar job duties