Horizon Bank
  • - Leesburg Sales Office
  • Leesburg, IN, USA
  • Full Time

Duties
• Serves present and prospective customers with sound and productive short, intermediate and long-term agricultural credit according to policy.
• Promotes related services to all current and prospective customers.
• Develops new business by actively pursuing new individual and business customers and by becoming a visible and involved in the community.
• Expands existing relationships by proactively researching customer needs and matching bank products and services to those needs.
• Incumbent specializes in providing financial solutions to agriculture and agricultural-related loans.
• Interviews applicants and recommends approval of loan applications.
• Presents loans to agricultural loan committee for approval.
• Verifies loan agreements are complete and accurate according to policy.
• Develops business checking and deposit relationships with customers.
• Establishes and renegotiates credit terms, when necessary.
• Inspects or appraises collateral as needed or applicable.
• Communicates credit decision to loan applicants.
• Regularly services loans in portfolio to retain high loan level quality by:
     o Reviewing progress of loans on a periodic basis.
     o Making periodic calls on loan customers to evaluate management, inspecting collateral and detecting signs of potential financial problems.
     o Monitoring delinquent reports and counsels with customers to bring accounts current.
     o Providing guidance to customers seeking solutions to financial problems.
• Provides information to existing and potential borrowers as to available financially related services and properly handles financial service accounts.


Qualifications
• Ten years of ag and commercial lending experience with the ability grow a portfolio between $23-25 million in loans required.
• Ag lending experience dealing with both grain and livestock operations.
• Bachelor's degree (or equivalent combination of education and experience).
• Knowledge of Farm Service Agency Guaranty Program.


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Horizon Bank
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