Work In Iowa Stem Jobs

Job Location:

This position is fully onsite at our Neola, Iowa branch.

Job Purpose:

This position will develop and manage agriculture and commercial loan client relationships that meet established lending requirements and provide maximum profitability to the bank at minimum risk. Duties will be performed in accordance with Midstates core values and service standards.

Essential Functions:

• Interviews loan applicants and collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request.
• Establishes, and negotiates where necessary, terms under which credit will be extended, including the cost, repayment method/schedule, and collateral requirements.
• Prepare financial analysis through Web Equity software program on Ag/Commercial clients. This will include preparing credit memorandum write-ups on loan credits to be presented to loan committees.
• Have a full understanding of the Loan Policy and prepare credit memorandum write-ups in accordance with Loan Policy.
• Obtain information through direct inspection of the applicant's business and/or collateral, review of interim financial reports, personal interview, and other means.
• Monitors loan repayment activities and takes necessary action to collect from past-due accounts.
• Advises customers, where possible, concerning business management and financial matters.
• Develops new business by contacting prospects and customers, cross-sells bank services.
• Serves as a member of the officer loan committee which makes preliminary evaluations of loan requests.
• Develops material for, and makes loan presentations to the executive committee as required.
• Participate in civic activities to promote growth and development of the community and a positive image for the bank.
• Other duties as assigned.

Skills and Qualifications:

Proficiency in Microsoft Office applications; ability to perform basic accounting/financial analysis; excellent oral and written communication skills; strong sales skills and ability to do cold calls; must have a general knowledge of farming and ranching along with an understanding of rural living.

Education:

Bachelors degree in Business Administration, Finance, Agriculture Economics or a related field.

Experience:

Accounting or bookkeeping experience in formation of financial statements and cashflows. 2 years experience in banking, credit or other agriculture business related field preferable.

For more information, or to apply now, you must go to the website below. Please DO NOT email your resume to us as we only accept applications through our website.

https://midstatesbank.applicantlist.com/jobs/1107129-144976.html