Agri Field Representative II
Sales and Sales Related
What sets Bank of the West apart from other banks is our team members–they embody the optimistic spirit of the West. There is a spirit here that drives us to do more. Our team of more than 10,000 employees is vital to the success of our Bank. They reflect our modern western values—straightforward, entrepreneurial and optimistic. We seek to create a corporate culture that fosters and rewards excellence, encourages creative thinking and respects diversity – an environment where team members are engaged, supportive of one another and enthusiastic about serving our customers. Bank of the West offers the stability of a company that has a 135 year history and is part of BNP Paribas, a European leader in global banking and financial services and one of the 6 strongest banks in the world. We offer opportunities across our diverse business lines – Retail Banking, Commercial Banking, National Finance, and Wealth Management.
- Prepares and reviews difficult crop budgets and cash flow projections and prepares reports evaluating borrower’s historical performance. Uses historical analysis of financial statements, tax returns, budgets, yields, market prices, and industry information, along with current and forecasted information, to determine equity and margins in an operation. Reports to include discussion of soils, water availability, equipment availability, marketing and management.
- Performs periodic inspections of farm/ranch operations to evaluate performance and adherence to budgeted projections, to include evaluation of yields and prices currently anticipated versus those originally budgeted. Determines status of remaining receivables and outstanding payables.
- Prepares or reviews livestock or dairy budgets. Performs periodic appraisals of livestock and of stored feed supplies to determine loan equity positions. Reports to include evaluation of livestock’s health and condition, facilities, marketing, management and livestock valuation and equity position.
- Keeps fully informed on agricultural issues including market conditions, governmental regulations, weather patterns, water supplies, and technological advancements in agriculture.
- Ensures compliance with the appropriate professional and regulatory standards.
- Maintains a liaison with the account officer for whom reports are prepared
- Reinforces adherence to bank underwriting policies and procedures and growth, quality and profit objectives through the loan approval process.
- Assists in monitoring compliance with internal and regulatory requirements.
- Analyzes pertinent financial and credit data and assists in making credit decisions.
- Assists in identifying and managing troubled assets and potential troubled assets in an assigned area.
Required Education or Equivalent Experience
· Bachelor’s Degree
· Vocational/Specialized Training
· Two to three years
Field of Experience
· May substitute a BS in an agricultural field of study for four to six years of required experience. Full knowledge of the most common segments of agriculture, including farming and ranching practices and techniques, governmental regulations, economic conditions, etc.
· Advanced computer skills, including Microsoft Excel, Word, etc.
· Analytical and research
· Compile statistics
· Perform math and analysis
· Proofread documents
· Research information
· Schedule appointments
· Written and verbal communication
· No supervisory responsibility
· Sedentary Work; lifting maximum 10 lbs., frequent standing/walking
The above statements are intended to describe the general nature of the work being performed. They are not intended to be construed as a exhaustive list of all responsibilities, duties and skills required of personnel so classified.
Bank of the West is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law. Bank of the West is also an Affirmative Action employer - Minority / Female / Disabled / Veteran.
Bank of the West will consider for employment qualified applicants with criminal histories pursuant to the San Francisco Fair Chance Ordinance subject to the requirements of all state and federal laws and regulations.