Sr. Director, Agribusiness

At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.

Summary of the Job:

 

Accountable for managing and growing large and complex loan portfolio by providing best in class Credit, Depository and other Agribusiness banking products and services. Source potential customers through internal and external networks and by creating and executing against an effective calling plan. Develop and execute goals, plans and initiatives that align with corporate strategy surrounding client satisfaction, account growth, risk and retention.

About This Role:

 

Key Accountabilities:

Business Development: Advanced ability to source potential customers/prospects by creating and executing against an effective calling plan to understand client financial goals and needs. Develop and manage internal and external networks that enable exposure and opportunities to develop new business with targeted prospects.

• Leverage current internal and external sales, marketing and communication activities to promote the sourcing of new clients.
• Well-established COI strategy where COI’s consider them as an expert in Agribusiness.
• Work collaboratively within the Agribusiness Banking department to identify potential lending opportunities and cross-sell opportunities.
• Exceptional ability to bring profitable products, services, and solutions to the customer.

Credit Underwriting: Demonstrate Subject Matter Expert (SME) skills in Credit. Will be able to understand complex loan covenants and non-standard credit metrics to gauge risk.

• Demonstrate proficiency in complex credit structuring.
• Astute with pricing and negotiations in the most complex credits.

Portfolio Management – Responsible for managing the largest most complex and profitable relationships for the department with sound decision making abilities.

• Manage a portfolio of loans and commitments on a daily basis to meet the needs of the customer and to maintain the credit quality standards of the Bank.
• Financial performance and portfolio management will include as directed; deposit gathering growth, loan volume growth, fee income growth, calling and prospecting activities, management of past dues, charge-offs, and TBR's as required to meet or exceed the profit contribution for the Division.

Professional Behavior, Community Focus and Leadership - Exhibit professional behavior and promote positive working relationships. Maintain regular and predictable attendance.

• Ability to lead special projects as assigned within allotted timeframes and be accountable for continuous best efforts in such projects.
• Exercise a willingness to be a Subject Matter Expert and resource to colleagues.
• Be proactive and respectful in all working relationships.
• Participate as member of meaningful committees or boards of local civic organizations.

• Demonstrate leadership skills by mentoring Junior Lenders/Junior Analyst and working with Bank key product partners.

Cross-Sell FNB Services and Products - Effectively refer all Ag relationships to expand overall relationship within FNNI. 

• Participate in joint marketing efforts with FNNI partners and external referral sources.
• Foster referral relationships by reciprocating referrals when appropriate and providing timely feedback and support.
• Meet or exceed defined referral targets.

Compliance - Understand and comply with bank policy, laws, regulations, and the bank's BSA/AML Program, as applicable to your job duties.

• Complete compliance training and adhere to internal procedures and controls, as required.
• Report any known violations of compliance policy, laws, or regulations.
• Report any suspicious customer and/or account activity.
• If applicable, ensure direct reports meet the above requirements and take action to address employee performance issues.

The Ideal Candidate for This Role:

 

Knowledge, Skills, Education, Experience and Physical Qualifications:

Required:

• Bachelor Degree in Banking, Finance, Accounting, Agribusiness or equivalent
• Generally 10+ years Agribusiness Banking or related experience
• Strong knowledge of credit and experience with complex credit structuring
• Knowledge of Agribusiness banking products/services and FNB products and services
• Strong Relationship Management skills
• Demonstrated oral and written communication skills
• Superior business d