Agriculture Banking Officer at Nicolet National Bank

Green Bay, Wisconsin, United States -

Full Time

Start Date

Immediate

Expiry Date

20 Jul, 26

Salary

0.0

Posted On

21 Apr, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Agricultural lending, Financial statement analysis, Credit administration, Underwriting, Portfolio management, Business development, Relationship management, Risk management, Financial analysis, Critical thinking, Problem solving, Interpersonal skills, Communication skills, Negotiation, Strategic planning, Regulatory compliance

Industry

Banking

Description

At Nicolet National Bank, our culture is based on the principles of community banking, putting the needs of our customers at the forefront of our decision-making. Our Core Values drive everything we do, and we are committed to serving our customers with excellence. We believe that every job in our organization is critical to our success, and we are dedicated to creating a work environment where our employees feel valued, respected, and supported. With locations in Wisconsin, Michigan, Minnesota, and Florida we are proud to service our local communities and make a positive impact on the lives of our customers. At Nicolet National Bank, we believe that our people are our most valuable asset, and we are committed to investing in their growth and development. This position is responsible for administering and supporting the activities in Agriculture Lending to accomplish agricultural banking goals and objectives. Responsible for developing and maintaining a variety of commercial loan accounts (secured and unsecured) that meets established lending requirements and provide maximum profitability to Nicolet at minimum risk. Develops new loan relationships through referral and individual efforts in sales. As a Agriculture Banking Officer, you will: * Attend to the needs of customer relationships and prospects seeking loans or lines of credit on terms that involve a varied amount of risk underwriting. Make decisions on loans and terms within lending limits or makes recommendations to the Senior Banking Officer. * Manage portfolio within the terms approved and in conformity with Nicolet’s lending policy. * Provide feedback to customers, where appropriate and within scope of expertise, concerning business management and financial matters to add value to relationships between the customer and bank. * Develop new business by calling on prospects and customers for commercial loans with an emphasis on cross-selling Nicolet products and services to establish a complete banking relationship between the customer and bank. * Manage an on-going portfolio including but not limited to past dues, collateral exceptions, renewals, review and account management of overdrafts and collection activities, if necessary. * Collect and analyze information that reflects the current financial position of customers and prospects with which analysis leads to a recommendation of credit structure and if appropriate closing the credit relationship. * Participate in community affairs to contribute expertise, better understand the needs of the business community, increase Nicolet’s visibility and to enhance new business opportunities. * Keep abreast of new regulations, policies, and procedures relative to commercial banking and general economic trends. * Uphold Nicolet’s philosophy and policies by maintaining appropriate controls to ensure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of Nicolet. * Ability to understand the value of diversity within the workplace and to work successfully with others without regard to age, gender, race, sexual orientation, ethnicity, culture, religion, disability status, socioeconomic status or other non-job-related classification. A commitment to Nicolet’s policies on equal employment opportunities and non-discrimination with a willingness to pursue efforts of inclusion and respect toward different perspectives. * Performs all other duties as assigned. Qualifications: * Bachelor’s degree in Business Administration or Finance. * 3-5 years of experience in agricultural lending, financial statement analysis and credit administration required. * Thorough understanding of all aspects of the ag lending area, including prudent underwriting standards, regulatory implications and pricing considerations. * Ability to travel up to 20% of the time to meet with potential business partners and monitor loan relationships across NE and/or Central Wisconsin. * Ability to effectively envision, develop, and implement new strategies to address competitive, complex business issues. * Strong understanding of bank's commercial lending products and a general understanding of other banking products and services. * Knowledge of industry trends, developments and related technologies. * Ability to think critically, solve problems, make decisions and build trust across the organization. * Excellent interpersonal skills, including the ability to work across the organization and interact/influence/negotiate effectively at all levels of management and peers, as well as third party relationships and vendors. * Strong analytical skills with the ability to calculate numerous financial ratios. * Foster company success through a professional appearance, being courteous to customers and coworkers and by having a positive attitude. * Working knowledge of the agricultural sector. * Effective verbal and written communication skills and strong interpersonal skills. Benefits: * Medical, Dental, Vision, & Life Insurance * 401(k) with a company match * PT0 & 11 1/2 Paid Holidays The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities and skills required for the position. Equal Opportunity Employer/Veterans/Disabled

Responsibilities

The Agriculture Banking Officer is responsible for managing and developing a portfolio of agricultural loan accounts while ensuring compliance with lending policies. They will also analyze financial data to make credit recommendations and actively participate in community affairs to drive business growth.