[Hiring] Ag Finance Business Development Officer @Zions Bancorporation

Role Description

Zions Ag Finance, a leader in the secondary market agricultural real estate mortgage lending, is looking to expand and is actively seeking a highly motivated and seasoned Business Development Officer – Relationship Manager to join its loan origination team. The role will be responsible for:

• New loan origination, field servicing, underwriting, and structuring of agricultural real estate mortgage loans.
• Seeking new loan growth to support departmental goals including loan volume and quality in conjunction with lending policies.
• Originating $10-$20 million in new loans annually depending on location.
• Operating with a high degree of care and skill consistent with banking standards and in compliance with federal and state laws and regulations.
• Presenting a professional image to clients and providing service that exceeds client expectations.

This is a Remote role, but the candidate must reside in one of these four regions:

• West (such as California)
• Midwest (such as Iowa, Nebraska, or Illinois)
• South (such as Texas)
• Southeast (such as Florida, Georgia, or Tennessee)

The position requires travel throughout the region you live in, with occasional visits to the bank in person.

Qualifications

• Bachelor’s degree in business, finance, or related field and/or 5+ years of agricultural lending experience.
• Thorough understanding of agricultural credit with the ability to structure and underwrite complex loans and manage credit risk.
• Prior experience managing and growing a large loan portfolio with established relationships.
• Strong attention to detail, organizational and problem-solving skills with an ability to meet deadlines.
• Advanced written and verbal communication skills.
• Tact, diplomacy, and good judgment required at all times.
• Proven customer service skills and effective team skills.
• Advanced computer skills, including Microsoft Office products (Outlook, Excel, Word, Access, etc.) and other industry-specific applications including loan origination, closing, and servicing systems.

Requirements

• Manage all aspects of the loan origination process, including presentations, structuring, pricing strategy, transaction negotiations, due diligence, and closings.
• Develop and maintain a network of prospective client referral sources through community and business development activities.
• Effectively represent ZAF while calling on potential or existing customers to develop new business and expand client relationships.
• Interview applicants to obtain sufficient information concerning loan requests to make acceptable risk determinations for proposed loans.
• Manage loan portfolio and delinquencies.
• Work closely with credit administration, underwriting, and loan documentation personnel to ensure high standards of quality in each credit request submitted for approval.
• Assist in the creation and maintenance of credit-related policies, processes, and procedures.
• Develop resolutions to complex problems that require the frequent use of creativity.

Benefits

• Medical, Dental, and Vision Insurance - START DAY ONE!
• Life and Disability Insurance, Paid Parental Leave, and Adoption Assistance.
• Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts.
• Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays, and any applicable state holidays.
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience.
• Mental health benefits including coaching and therapy sessions.
• Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire.
• Employee Ambassador preferred banking products.
• This position is eligible to earn a base salary in the range of $85,000 - $175,000 annually depending on job-related factors such as level of experience and location.