Agricultural Loan Officer

Summary As part of the Somerset Trust Team, it is the expectation that all employees provide exceptional customer service to both internal and external customers, foster positive, respectful collaboration with colleagues across the organization, and uphold the values of the company (Service, Fairness, Honesty). The Agricultural Loan Officer is primarily responsible for managing and growing a loan portfolio for farms and agribusinesses. This role evaluates loan applications, analyzes the financials, and actively participates in business development while maintaining strong relationships with loan customers. Essential Duties and Responsibilities · Loan Evaluation: Evaluate financial statements, tax returns, and credit reports to determine applicant's ability to repay a loan. · Farm Visits: Travel to farms to inspect land, crops, equipment, and livestock used as collateral for a loan. · Business Growth: Help clients find the right credit options for land purchases, operating costs, or equipment. · Portfolio Management: Track active loans and manage any delinquent loans by assisting with collection efforts as needed. · Loan Structuring: Design customized lines of credit, equipment purchases, and real estate loans for farm operations. · Cross-Selling: Identify opportunities to expand customer relationships by introducing customers to all Somerset Trust Company products and services. · Business Development: Build new business through networking, referrals, and representing Somerset Trust Company at events and organizations. · Compliance: Ensure compliance by adhering to all internal policies, procedures, and banking regulations. · Collaboration: Positively collaborate with other lenders, credit analysts, loan processors, and other bank departments. · Understand and support all BSA/AML responsibilities as applicable to the position as well as consistently, accurately, and timely carry out these responsibilities in compliance with the Bank's internal policies · Perform other related work and duties as assigned Education and/or Experience · Bachelor's degree in agriculture business, finance, accounting or economics. · Three to five years of commercial credit analysis or commercial lending experience. TECHNICAL SKILLS · Experience using DNA is preferred, but not required. · Proficient in using Microsoft Office products including Word, Excel, Outlook · Must be willing to learn new systems and adapt to emerging technologies LANGUAGE SKILLS · Ability to read interpret documents such as procedure manuals and release notes · Ability to write business correspondence, and policies using proper grammar and accurate spelling MATHEMATICAL SKILLS · Ability to add, subtract, multiply and divide in all units of measure. · Ability to calculate figures and amounts such as discounts, interest, commissions, bonuses, etc. using a calculator. REASONING ABILITY · Ability to apply common sense, understanding to carry out instructions furnished in written, oral or diagram form. · Ability to deal with problems involving several concrete variables in standardized situations. Organizational priority setting, and decision-making skills are also required. PHYSCIAL DEMANDS While performing the duties of this job, the employee is required to use hands and fingers to operate office equipment, telephones, etc. The employee must occasionally lift and/or move up to 25 pounds Specific vision abilities required by this job include close vision, and ability to adjust focus OTHER SKILLS AND REQUIREMENTS · Regular travel to customer locations and networking events · Strong sales, relationship management and business development skills WORK ENVIRONMENT · Work is performed in both an office environment and customer locations · The noise level in the work environment is usually moderate BENEFITS AND ADDITIONAL INFORMATION · Bank wide bonus, 401(k), ESOP, Medical, Dental & Vision insurance, Health Savings Account, Life Insurance, Paid Holidays, PTO, and Paid Volunteer Time · Commercial Loan Incentive Program · Work Schedule is typically Monday through Friday, occasional evening or weekends as needed to meet customer needs. · Full-time 37.5 - 40 hours per week · Flex Schedule Options This job description is not designed as a comprehensive list of activities, duties, and/or responsibilities and may change at any time with or without notice. The duties and qualifications stated within this job description are representative of the knowledge, skill, and/or ability required for this position. Somerset Trust Company is an Equal Opportunity Employer, including disability and protected veteran status. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.