Business Banker (Ag Lender)

Job description

About Minnwest: Minnwest is a family owned, community bank based in Minnesota and South Dakota. We believe our success is measured by the extent in which we have a positive impact on the communities we serve. We are committed to building strong, vibrant communities through our core values:

The customer is the first priority.

We will keep all of the commitments we make.

We are the people who get things done.

We will work together as a team.

Locatio n: Waseca, MN

Work arrangement: In office

Job Summary: Business Bankers have a critical role in providing a knock-out customer experience and ensuring that our customers are our first priority. Business Bankers are responsible for all aspects of agricultural and commercial business development. You manage your own credit portfolio and cross-sell other bank services, primarily deposit accounts and cash management services. Business Bankers solicit prospects and customers for loan and deposit business. You will team with other Business Bankers to assist with relationship management, ongoing customer communication and active cross-selling of related products/services. You are responsible for originating and servicing ag and commercial loans in accordance with the bank's service standards and loan policy.

Duties and Responsibilities (including but not limited to):

Business Development/Relationship Management : Develops and maintains relationships, sustaining high quality loan growth, annual sales of $5 million. Meet with customers and prospects to determine needs and recommend products that meet bank's lending and deposit guidelines. Supports our strong relationship banking culture through ongoing customer contact, quality customer service and superior product knowledge. Appropriate pricing on new loan originations and renewals, fee income and selling of all bank products and services.

Portfolio Management: Prepare accurate and high-quality credit write-up and loan presentation to loan committee. Manage an existing loan portfolio of $20-40 million, minimizing loan losses and exceptions. Manage delinquencies and collaborate with loan operations, credit analyst and other support teams.

Administratio n : Represent the bank in a professional, ethical and moral manner to promote the institution in the communities it serves. Takes an active role in key civic and community events/organizations. Supports an environment that promotes providing a level of care that makes customers feel welcomed, significant and engaged.

Leadership (Market President position) : Provides direction and guidance to professional staff. Develops and communicates a vision for the team and builds consensus for operating norms and goals that are in alignment with larger organizational goals. Provides perspective and leadership within peer team and often has cross-functional visibility and accountability for partnership.

Minimum Requirements:

Bachelor's degree

5 or more years' agricultural lending experience or equivalent combination of education and experience

Specific, formal credit training or equivalent

Minimum of 6 college accounting credits, including ability to analyze complex balance sheets, income statement ratios and cash flow statements

Action-oriented: the ability to recognize and act on problems with a sense of urgency and enthusiasm

Ability to gather and analyze customer needs and feedback and propose customer centric solutions to meet their needs

Build strong customer relationships and ability to build customer loyalty

Ability to analyze complex balance sheet, income statement ratios, and cash flow statements

Sales Prospecting, Planning and Organizational skills

Schedule: Monday - Friday: 8:00 a.m. - 5:00 p.m.

Workplace Environment:

Requires face-to-face interaction and coordination of work with other employees and departments, and in-person interaction.

Working at a computer and utilizing a telephone

Occasionally lifting up to 50lbs

May involve traveling for training or meetings

Salary Range: $103,000 - $128,750 + sales incentive plan and bonus opportunities

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. The salary range represents anticipated base pay for this role. The actual pay offered will consider internal equity and may vary based on factors including but not limited to work location, candidate's job-related knowledge, skills, and experience, among other factors.

Minnwest Benefits: In addition to salary, Minnwest Bank offers a comprehensive benefits package, including incentive and recognition programs. Minnwest Bank is focused on taking care of our employees and their families, and supporting their health and financial well-being, including:

Comprehensive Medical, Vision and Dental Insurance

Retirement savings including 401(k) with Employer Match and Employee Stock Ownership Plan (ESOP)

Paid Holidays and Competitive Paid Vacation Days

Paid Parental Leave

Short- and Long-Term Disability

Life, Critical Illness, and Accidental Insurance

Tuition Reimbursement and Career Development Opportunities

Employee Assistance Program (EAP)

Paid Time Off to volunteer in your community

Opportunities to connect with others through our diversity and inclusion focused Employee Resource Group

All benefits are subject to eligibility requirements.

A full background check, including federal, state, county, and civil, and general financial credit check will be conducted on the final candidate for this position. Candidate must pass the background check and financial credit check in order to obtain employment with Minnwest. Failure to meet any of the requirements may result in a rescission or your offer of employment.

EEO: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Who can apply

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