The RMDP Ag position is a training and development role. The candidate is hired into the program with the expectation they are developing into a Relationship Manager within 18-24 months. The candidate starts the program in the role of Credit Analyst (CA). While functioning as a CA, the RMDP is responsible for analyzing credit information on current and potential borrowers. The CA determines the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. The CA is responsible for making weekly calls to businesses to build and strengthen relationships. The CA assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.

Essential Responsibilities, include but are not limited to the following:

- Successfully completes all training aspects of the Relationship Manager Development Program (RMDP).

- Assists Relationship Managers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.

- Prepares spreadsheets and analyzes financial information including financial statements and tax returns.

- Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons.

- Underwrite loan requests for RM review; makes recommendation on loan structures and terms to loan officers.

- Assist Relationship Managers in the review and renewal of credit facilities, and annual loan reviews of term loan customers to determine that current risk grades are still accurate.

- Make 1-5 weekly calls to businesses to build and strengthen relationships, with call volume increasing as progress is made through the development program.

- Provide direct assistance to Regional Presidents and Relationship Managers (lenders) and accompanying on customer calls, as needed.

Experience and Skills:

- Bachelor's degree in General Business, Ag Business, Finance, Accounting, or related field; or five years related experience; or the equivalent combination of education and experience.

- Background in Agriculture industry or related work experience is preferred.

- Proficiency in Microsoft Suite, including Excel

- Possess a strong customer service orientation, and a willingness to place the customer first.

- Possess strong written/verbal communication skills as well as excellent organizational/time management skills.

- Ability to work with minimal supervision while performing duties.

Target Compensation: $75,000 annually, depending on experience.

Job Benefits:

- Competitive Medical Insurance (PPO&HMO)

- Dental Insurance

- Vision Insurance

- Life Insurance

- Short-term and Long-term Disability

- 401k Retirement Plan

- Vacation Hours

- Sick Time

- 11 Paid Holidays Per Year!

Mission Bank is an Equal Opportunity Employer and with opportunities for advancement. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, age, protected veteran status, or other protected categories.

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From: Mission Bank