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First International Bank and Trust is a family-owned community bank and one of Prairie Business Magazine's 50 best places to work.

First International Bank & Trust is seeking a motivated Ag Loan Officer to join our lending team. This role is ideal for a mid-to-senior level professional with an agricultural background who can confidently manage client relationships while continuing to grow within the organization.

You’ll play a key role in supporting our agricultural customers by providing tailored lending solutions and building strong, lasting relationships.

Key Responsibilities:

• Evaluate and authorize agricultural loan applications by gathering required documentation and analyzing creditworthiness.
• Review title reports, surveys, and other documentation to identify potential risks.
• Compile loan packages and negotiate loan structures, including fees, repayment options, and credit terms.
• Ensure customers understand all conditions and terms of their accounts.
• Respond to inquiries regarding payments, payoffs, and loan values.
• Secure collateral and ensure proper documentation and insurance throughout the loan cycle.
• Collaborate with loan associates and credit analysts to maintain accuracy and compliance.
• Monitor delinquent accounts and determine appropriate collection actions.
• Develop new customer relationships and expand existing ones by offering solutions to business and personal financial needs.
• Act as a proactive resource in the field, providing advice to minimize risk and support client success.

Qualifications:

• Bachelor’s degree in finance, business, agriculture, or related field preferred.
• Minimum of 2 years of lending experience; agricultural lending experience strongly preferred.
• Equivalent combination of education and experience will be considered.
• Ability to develop and maintain a book of business ($15MM–$20MM).
• Knowledge of agricultural operations and financial needs.
• Commitment to ethical practices and adherence to policies and procedures.

Skills & Competencies:

• Strong communication and interpersonal skills.
• Self-motivated with the ability to work independently and collaboratively.
• Effective problem-solving and judgment in loan structuring and risk assessment.

First International Bank and Trust is a family-owned full-service Community Bank with locations in ND, MN, SD, and AZ.

We show our employees we care by providing competitive benefits and training and growth opportunities. Here are the things we offer within our full-time benefits package:

• Health, Dental & Vision
• 401K Retirement Plan with Employer Match
• Paid Parental Leave
• Life and Disability Insurance
• Generous PTO and Holiday pay

If you are interested in learning more, you can apply or if you have questions before applying you can reach out directly at TalentAcquisition@FIBT.com.

Equal Opportunity Employer