Ag Finance Business Development Officer: California Based [Remote]
Location: Oakland, California
Internal Number: 10280_058310
Zions Bank recognizes that its strength comes from the dedication, experience and talents of its diverse employee base. As we usher in the next generation of banking, we're committed to being the premier employer of choice. We're proud to have ranked among American Banker magazine's "Best Banks to Work For" every year since 2013, as Best Employer from Utah's Best of State and among the Best Places to Work in Idaho. Make the leap into a new era of banking. Let us transform your career.
Zions Bank Agriculture Finance, a leader in Secondary Market agricultural real estate mortgage lending is looking to expand and is actively seeking a highly motivated and seasoned professional to join its loan origination team. This person will be responsible for new loan origination, field servicing, underwriting and structuring of agricultural real estate mortgage loans. This person will support the goals of the department including loan volume and quality in conjunction with lending policies. You must operate with a high degree of care and skill consistent with banking standards and in compliance with federal and state laws and regulations. The Business Development Officer/Relationship Manager must present a professional image to the client and provide service which exceeds client expectations.
THIS POSITION CAN BE BASED ANYWHERE IN CALIFORNIA, AND IS 100% REMOTE
The ideal candidate will have the skills and experience to:
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 CB&T/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 standard of quality in each credit request submitted for approval.
Assist in creation and maintenance of credit related policies, processes and procedures.
Develop resolutions to complex problems that require the frequent use of creativity.
May be asked to perform other duties.
What you will bring to the table:
Bachelor's degree in business, finance or related field and/or 5+ year's agricultural lending experience.
Thorough understanding of agricultural credit with the ability to structure and underwrite complex loans and manage credit risk.
Must have prior experience managing and growing 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.
Pay range (depending on experience): $68,000 - $120,000 base
Zions Bancorporation, N.A. is one of the nation's premier financial services companies with annual net revenue of $2.9 billion in 2021 and more than $90 billion of total assets. Zions operates under local management teams and distinct brands in 11 western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The Bank is a consistent recipient of national and state-wide customer survey awards in small and middle-market banking, as well as a leader in public finance advisory services and Small Business Administration lending, ranking as the tenth largest provider in the U.S. of the SBA’s Paycheck Protection Program loans. In addition, Zions is included in the S&P 500 and NASDAQ Financial 100 indices.