Agriculture Banking Officer, Central Bank - Cherokee

Central Bank

Cherokee, Iowa

Central Bank in Cherokee is looking for an Agriculture Banking Officer.

Desired Qualifications:


  • Bachelor's degree required or equivalent work experience
  • Minimum of two (2) years of experience in similar job duties


    • Ability to learn and use the Bank's PC hardware and software; in addition to being proficient in Microsoft Office products, including, but not limited to: Word, Excel, and Outlook.
    • Contribute to a work environment that fosters pride in being part of a winning team and promotes personal growth.
    • Ability to perform basic math; compute rate, ratio, and percent; draw and interpret bar graphs.
    • Ability to read, write and comprehend simple instructions, correspondence, and memos.
    • Effectively present information in a one-on-one and small group situation to customers and other employees.
    • Interpret documents such as procedure manuals, work instructions, software manuals, entity documents, security agreements, real estate mortgages, and other commercial loan documents.
    • Demonstrate strong oral/communication, organization, attention to detail and problem-solving skills.
    • Ability to work in a team environment and take direction from management and supervisors.
    • Ability to effectively manage one's time to complete work according to established deadlines. The ability to prioritize tasks and use time efficiently.
    • Ability to adjust quickly to different work situations; remain composed under pressure and in stressful situations.
    • Regard for important details to assure accuracy in every transaction performed, detect errors, and follow through on corrections and detail.
    • Responsible for knowing and following Bank Security Act (BSA) and Customer Identification Program (CIP) regulations, policies, and procedures.
    • Must have flexibility to deal with changing work hours.

Application Instructions:

Apply online at



The essential functions include, but are not limited to the following:

Portfolio Growth & Referrals 40%

  • Seek out prospective business/corporate clients and actively solicit high quality new loan business as well as new deposit relationships.
  • Participate in community affairs to increase banks visibility and to enhance new and existing business opportunities.
  • Achieve individual and department sales goals through new business sales, referrals, and retention of account relationships.
  • Proactively cross-sell additional products through referrals and outbound calling with the goal of building rapport and life-long relationships with Bank customers.
  • Analyze potential commercial loan markets to develop prospects for loans.
  • Maintain current knowledge of financial markets, trends, and technology.

Lending & Customer Service 30%

  • Meet with business/corporate clients, actively listen to their needs and goals, and propose recommendations and service action.
  • Demonstrate personal commitment to excellence in sales and service to customers and other employees.
  • Refer any customer questions regarding products or service to the appropriate person.
  • Handle customer complaints and take appropriate action to resolve them.
  • Stay abreast of new types of loans, treasury management products, and other financial services and products to better meet customers' needs.
  • Negotiate payment arrangements with customers who have delinquent loans.
  • Prepare repots to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.

Loan Operations 20%

  • Analyze applicants' financial statue, credit, and property evaluations to determine feasibility of granting loans.
  • Obtain and compile copies of loan applicants credit histories, corporate financial statements, and other financial information.
  • Ensure loan agreements are complete and accurate according to policies, procedures, and standards.
  • Approve loans within specified limits and refer loan applications outside those limits to management for approval.
  • Service loan portfolio to ensure compliance with loan policy, approval conditions, and approved financing plans.
  • Correspond with or interview applicant or creditors to resolve questions regarding application information.
  • Conduct on-site inspections at customer locations to determine customer products.

Other 10%

  • Provides guidance to the credit department and/or less seasoned lenders in the development and analysis of financial background data for new or renewed loans.
  • Develop strong professional relationship with members of the bank's other departments, as well as external representatives.
  • Perform all other duties as assigned.

Location: Cherokee, Iowa

Open: Monday November 21st

Close: Tuesday December 6th 2022

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