Loan Officer- Agricultural Lending

The Fountain Trust Company is a community-focused bank with 20 branches proudly serving residents and businesses across Indiana and eastern Illinois.

We are dedicated to building lasting financial partnerships that empower our communities to grow and thrive.

We are currently seeking a motivated, results-driven, and customer-focused Loan Officer with agricultural lending experience or a strong farming background to join our team at our Gifford branch.

This position is focused primarily on agricultural lending and serving the financial needs of farmers and agricultural businesses in the communities we serve.

The ideal candidate will understand the agricultural industry, have a strong knowledge of farm operations and financial needs, and be comfortable developing long-term relationships with agricultural producers.

This is an excellent opportunity for an agricultural lender, experienced banking professional, or individual with a strong farming background who is looking to build a career with a relationship-driven community bank.

Key Responsibilities: Build and maintain strong, long-term relationships with farmers, agricultural producers, agribusinesses, and other agricultural customers.

Develop new agricultural lending relationships while expanding and servicing existing customer relationships.

Understand customers' farming operations, including crop and livestock production, operating cycles, equipment needs, land purchases, and other agricultural financing requirements.

Analyze agricultural financial information, including balance sheets, income statements, cash flows, production history, and other information necessary to evaluate creditworthiness.

Underwrite and structure agricultural loans in accordance with bank policies, regulatory requirements, and sound lending practices.

Recommend appropriate agricultural loan products and financing structures based on the customer's operation, financial position, and long-term goals.

Manage and grow a high-quality agricultural loan portfolio while maintaining strong credit quality and minimizing risk.

Conduct regular customer visits and remain knowledgeable about customers' operations and changing agricultural conditions.

Identify opportunities to provide additional banking products and services that meet the needs of agricultural customers.

Monitor loan performance, financial trends, collateral, and other factors affecting the credit relationship.

Consistently meet or exceed individual and team production and relationship-growth goals.

Provide regular updates, insights, and feedback to management regarding agricultural lending activity, pipeline, portfolio performance, and market conditions.

Actively participate in community events, agricultural organizations, industry activities, team meetings, and professional development opportunities.

Qualifications and Skills: Agricultural experience is required for this position.

Candidates should have either: Demonstrated experience in agricultural lending, agr...