Rocky Mountain Bank

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Ag/Commercial Banker II

at Rocky Mountain Bank

Posted: 11/19/2020
Job Status: Full Time
Job Reference #: 20-1023
Keywords: banking, bank, credit

Job Description

Rocky Mountain Bank is a growing dynamic organization with many locations offering uniquely different banking and financial solutions for businesses and personal clients. As a performance driven company, we strive to create a culture of excellence with high standards, and high values while providing outstanding growth and involvement opportunities for employees. Join a team that makes "Great Things Happen!"

The Agricultural Banker II is responsible for increasing sales by originating new agricultural business relationships and cross selling products to existing clients. The main focus will be growing deposits, loans and fee income in a profitable manner.


1. Participates in the business development activities of the bank:
        a. Identifies appropriate prospects within defined target markets, creates and manages an effective prospect list and perform activities to insure growth in loan portfolios.
        b. Serves our prospects and customers through a consultative selling, trusted advisor role to assist them in recognizing and tackling business opportunities and risks, and helping them accomplish their goals while maximizing our effectiveness.
        c. Promotes and cross-sells all bank products and services as appropriate.
        d. Seeks out expertise within the company (i.e., governmental guaranty, cash management, specific industry knowledge) to assist in the development of customer relationships.
        e. Concludes the sales process by gathering and evaluating financial statements and related data from the prospect or customer, determining potential credit worthiness, and establishing and negotiating proposed credit terms.
        f. Reviews and directs new credit requests for existing clients and prospects to ensure adequate business discussions occur and to pursue creditworthy opportunities.
        g. Leads constructive discussions with clients and prospects regarding succession planning, growth strategies thru organic efforts and/or acquisition, access to capital planning, strategic planning, and specific industry characteristics and trends. These discussions should include potential values that we provide thru Wealth Management, Treasury Management, Equipment Leasing, Government Guarantee Financing options, direct financing and other lines of business."
        h. Prepares for, attends and participates in sales development meetings.
        i. Responsible for the accurate completion of duties remains with the Ag Banker, however specific tasks may be delegated to Portfolio Managers and Loan Assistants.

2. Participates in the underwriting and documentation of the credit:
        a. Utilizes the business case discussion and subsequent meetings with bank management, the credit department, industry specialists and other interested parties to exchange information and ideas, and to seek to understand the opinions of others.
        b. Ensures that all relevant information is provided to the credit department in a timely and efficient manner.
        c. Utilizes the credit department to assist in the underwriting of all credits over individual lending limits.
        d. Obtains and documents credit approval.
        e. Assures that all client documents and customer agreements, credit and non-credit alike are accurate and properly executed, and funds are not released until all documents are properly executed.

3. Participates in the management of a loan portfolio:
        a. Monitors the portfolio for credit quality.  Understands, detects and reports the early warning signs of problem credits so as to minimize the risk of credit loss and to maintain appropriate risk ratings on all loans.
        b. Insures the Lender Annual Reviews and collateral monitoring is completed on a timely basis.
        c. Continuously monitors customer performance and maintains timely reporting to include:
           i. Receipt of and review of financial statements.
           ii. Monitors agreed Covenant
        d. Pursues the collection of any delinquent account immediately.
        e. Follows up on any open documentation or tickler item such as insurance, tax, or stale financial information.

4. Performs other expectations of the job:
        a) Achieves annual performance goals.
        b) Conducts business in compliance with bank policies and procedures, as well as all federal and state laws and regulations.
        c) Actively involved and seeks leadership role in community activities that will promote the bank and/or assist in business development. 
        d) Continuously seeks additional knowledge and training to enhance sales, credit, and people skills.

5. Completes annual E-Learning Plan and Bank Secrecy Act (BSA) training as assigned and keeps up-to-date knowledge of BSA as it relates to the job function.

6. Performs other duties as assigned.


1. Associate’s Degree in Finance, Accounting or Business
2. 1-3 years of loan processing or other relevant experience.
3. Knowledge of Windows operating system, Microsoft Excel, Word and Outlook.
4. Knowledge of Laser Pro software, AS400, and Imaging Systems.
5. High attention to detail and accuracy.
6. Ability to work effectively in a fast paced environment.
7. Ability to handle and prioritize multiple tasks.

Scheduled Weekly Hours:


Time Type:

Full time

Rocky Mountain Bank offers you friendly, exceptional service and great banking products. As a customer, you will have the unique opportunity to develop a relationship with banking professionals who really care about you. We take pride in giving our customers the very best banking experience possible.

Our unmatched dedication to customer service is strengthened by our parent company, Heartland Financial USA, Inc. , a multi-billion financial services company that matches our loyalty to the principles of community banking. Our shared values coupled with Heartland's powerful services bring our customers the personal attention they deserve backed by the products and services that make Great Things Happen!

Rocky Mountain Bank’s team of leaders is fully committed to serving our clients, employees and community.

EOE/AA Employer · M/F/Disabled/Vet

Member FDIC · Equal Housing Lender

Employment at Heartland Financial USA, Inc. is employment at will

Posted 8 Days Ago

Full time


Application Instructions

Please click on the link below to apply for this position. A new window will open and direct you to apply at our corporate careers page. We look forward to hearing from you!