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Ag Business Banker - Credit

Position
Summary:
(Located in Alta, IA)
The Ag Business Banker - Credit is primarily responsible for underwriting new business opportunities and maintaining a portfolio of borrowing customers. Although they still have extensive customer contact, they do not have direct sales responsibilities. The Ag Business Banker - Credit is an equal on a team with a Relationship Manager. The Relationship Manager has the responsibility for outbound calling efforts with customers, prospects and centers of influence. The role of the bankers with borrowing customers will center around their analysis and understanding of the borrowing entity's accounting and business practices. Therefore an ability to read and analyze financial statements, as well as discuss current and future accounting and business practices with customers to determine creditworthiness is essential. The team (Ag Business Banker - Credit and Relationship Manager) jointly determine credit worthiness and work a portfolio of customers striving to create value with each interaction. This is a model that Heritage Bank believes is unique in the industry and produces a competitive advantage when comparing us to others in the industry.To grow our market share
The Ag Business Banker - Credit plays a large role in maintaining a sound credit culture. The Ag Business Banker - Credit prepares credit write-ups for approval on new loan requests and annual reviews. The write-up entails completing thorough financial, borrower and industry analysis and clearly identifying the risks and mitigating factors for each credit. The Ag Business Banker - Credit is also responsible for the on-going monitoring of the portfolio including: collection and tracking of required information from the borrower, following up on technical exceptions and working with the banker to ensure that maturing notes are being addressed in a timely fashion.

Role Qualifications:
The ideal candidate will bring a solid knowledge of reading and analyzing various financial statements and demonstrate an ability to use the financial data to explain what is happening in the business- or at least recognize what and be able and comfortable with asking questions need to be asked to gain that understanding. Ag Business Banker - Credit must have an inquisitive mind and enjoy digging into details to fully understand a situation. Strong accounting background is desired with a public accounting background helpful. A basic knowledge of loan structuring is also preferred.
Education
4-year degree or equivalent work experience
Experience
4+ years experience in credit analysis
Ag Business experience is a must
Other Skills/Characteristics
Ability to communicate well with clients and employees
Leadership qualities
Knowledge of lending regulations and policies
Problem-solving abilities
Analyze, and interpret financial statements
Application Procedures:
To apply for this position, please send your resume to email removed
Heritage Bank NA is an EOE/AA/M/F/D

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