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Agricultural Lender

Company Name:
Heartland Financial
First Community Bank is a member of Heartland Financial, one of the 100 largest and fastest growing banks in the country.
Heartland Financial operates 10 banks across the upper Midwest and Western states.
We have an opportunity for an Agricultural Lender to join our team. This is an new position due to our growth and size.
Recent Graduates Encouraged to Apply!
The Agricultural Banker originates new agricultural relationships and the cross sells existing clients. The focus is on growing deposits, loans and fee income in a profitable manner.
Responsibilities:
Business Development:
- Identify appropriate prospects within defined target markets, create and manage an effective prospect list, and perform activities to insure growth in loan portfolios.
- Serve our prospects and customers through a consultative selling, trusted advisor role to assist them in recognizing and tackling business opportunities and risks, and helping them accomplish their goals while maximizing our effectiveness.
- Promote and cross-sell all bank products and services as appropriate.
- Lead constructive discussions with clients and prospects regarding succession planning, growth strategies thru organic efforts and/or acquisition, access to capital planning, strategic planning, and specific industry characteristics and trends.
- Have, or obtain, a license to sell crop insurance and market that product.
- Be actively involved in community activities that will promote the bank and/or assist in business development.
Underwriting & Documentation of Credit:
- Utilize the business case discussion and subsequent meetings with bank management, the credit department, industry specialists and other interested parties to exchange information and ideas, and to seek to understand the opinions of others.
- Assure that all client documents and customer agreements, credit and non-credit alike, are accurate and properly executed, and funds are not released until all documents are properly executed.
Manage a Loan Portfolio:
- Monitor the portfolio for credit quality. Understand, detect and report the early warning signs of problem credits so as to minimize the risk of credit loss and to maintain appropriate risk ratings on all loans.
- Continuously monitor customer performance and maintain timely reporting
Requirements:
1. Bachelors Degree in an agricultural field.
2. Degree in business field suitable, with relevant job experience in an agricultural field and bank related training
3. 1-3 years experience Agricultural Banking or other relevant job experience.
4. Demonstrated sales and business development skills
5. Valid Driver's license and personal transportation
Occupational Certification:
1. Crop Insurance License (may be obtained following employment)
Heartland Financial USA, Inc. and its subsidiaries is an EEO/AA Employer: M/F/Disabled/Vet
Apply Online at www.htlf.com/#/careers


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