Agricultural and Commercial Loan Specialist

3 days ago


Rochester, Medway, United Kingdom Mbtbank Full time
About the Role:

We are seeking an experienced Commercial Credit Officer to join our team at Mbtbank. As a key member of our lending department, you will be responsible for originating, managing, and maintaining a high-quality Ag and/or Commercial loan portfolio.

Responsibilities:
  1. Lending Expertise: Utilize your expertise to originate, service, and monitor Ag and/or Commercial loan accounts within established loan policy guidelines.
  2. Credit Relationship Building: Foster strong relationships with customers to develop new business, increase or retain existing business, and make referrals to other areas of the bank as necessary.
  3. Credit Analysis: Conduct thorough credit analysis to determine creditworthiness, ensuring accurate interpretation of financial information.
  4. Loan Policy Compliance: Adhere to loan policy guidelines and underwriting standards to ensure effective customer retention and revenue generation.
  5. Collateral Requirements: Establish and negotiate terms under which credit will be extended, including costs, repayment methods and schedule, collateral requirements, and any additional terms.
  6. Business Development: Identify opportunities to enhance customer satisfaction, increase sales, and improve cross-selling efforts.
  7. Maintaining Compliance: Stay up-to-date on Federal laws, State laws, and banking regulations to ensure overall compliance.
  8. Sales Referrals: Make referrals to MBT Insurance, MBT Investments, and Retail Bankers as necessary to provide comprehensive solutions to customers.

Benefits: Comprehensive benefits package, including medical, dental, and vision insurance, 401(k) matching, paid time off, and professional development opportunities.



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