Commercial Loan Business Development Officer jobs in Waterloo, IA

Description

Central State Bank is growing and has an immediate opening for an Agri-Business/Commercial Banker at our Elkader, IA location.

Job Summary

If you enjoy partnering with local businesses and farmers and the challenge of constructing financial solutions to facilitate their operations and growth, Central State Bank wants you on our team! As a Commercial/Ag Lender, you’ll develop relationships with our existing clients and work to bring new clients through our doors. You’ll become familiar with our lending approach and products and use that knowledge, along with a client-focused, positive attitude to create relationships that will last as our clients and Central State Bank continue to grow.

What we offer

· Competitive pay structure

· Eleven paid holidays in addition to PTO 

· Excellent benefit package including a 401k plan

· A team atmosphere committed to growth and innovation

What You’ll be Doing

• Sales and Business Development. You’ll engage existing and prospective clients to learn about their businesses and farming operations and use your knowledge to design and sell financing solutions specific to their operations. You’ll expand the scope of Central State Bank’s relationship with its clients by educating them on all that Central State  Bank has to offer, from deposit products to retail lending solutions and everything in between.
• Portfolio  Management. You’ll prioritize maintaining strong relationships with clients with communication that is convenient and appropriate for them, be that in our offices or at their business. You’ll evaluate how Central State Bank can support each operation by developing unique and individualized financing solutions.
• Profitability. You’ll use your knowledge of Central State Bank products to craft financing solutions that satisfy the client’s needs and are profitable for Central State Bank. You’ll help Central State Bank grow by expanding your portfolio through sales.
• Risk Mitigation. You’ll proactively manage client needs and suggest solutions to avoid delinquencies and overdrafts. You’ll review documents carefully to eliminate errors that could lead to loss and use your lending knowledge to secure loans in accordance with Central State Bank’s loan policy and prudent lending practices.

Requirements

• Communicating. You’re good at talking to clients, whether you’re introduced by another member of the team or reach out to them on your own. You know the value of timely and accurate communication and prioritize accordingly.
• Assistant Vice President or Vice President officer titles will be considered commensurate with experience. You’re good at managing the needs of multiple different clients at once. You’re able to prioritize the needs of each client and manage toward their financing deadlines.
• Teamwork. You’re comfortable working individually or in a team. You know when to request assistance and confident enough to proceed on your own when necessary. You’re receptive to constructive feedback from other team members and management. You value working for a growing and profitable organization and recognize that your individual success contributes to and flows from that growth.
• Knowledge. You have a working knowledge of a wide range of farming operations and are comfortable reviewing and analyzing financial records for small and large farming operations including crop production reports, projections, marketing plans, etc.

Education/Experience

• College degree required.
• 4-5 years lending and/or banking experience required. Preference will be given to those candidates who have commercial and/or agricultural lending experience.

Skills/Knowledge

• Proficient in Microsoft Office Suite: Word, Excel, and Outlook. Knowledge of banking-related software is a plus.

Central State Bank is a family-owned, community bank with strong roots throughout Eastern Iowa. We are led by the entrepreneurial spirit and committed to continued growth and innovation in the years to come. If you possess kind optimism, curious intelligence, a strong work ethic and empathy towards others, we want to meet you!