Ag Banker III

Location: This position is on site in Bismarck or may be filled in a hybrid capacity in Southwestern ND.

If unable to find qualified candidates, the hiring authority will consider an underfill as an Ag Banker II.

Summary of Work

As the Ag Banker, you will serve as the primary contact for financial institutions, farmers and ranchers within the southwest and western regions of North Dakota. In this position, you will be responsible for building and maintaining strong relationships with lending staff at financial institutions, working with them on new loan opportunities, servicing an existing portfolio, and collecting necessary financial information. The Ag Banker position also represents the Bank of North Dakota (BND) through community involvement, agricultural events, and industry meetings.

In this role, you will develop a deep understanding of your assigned market and serve as a trusted resource to both lenders and agricultural producers. You will identify customer needs, educate financial institutions on BND products and services, and demonstrate how those solutions can support growth and stability in their operations. You will handle inquiries from financial institutions, collect annual borrower information, and help increase BND’s visibility in both the banking and agricultural communities. The Ag Banker will also attend meetings and events to promote BND’s role in supporting statewide economic development and ensure that loan requests align with program guidelines and the Bank’s overall mission.

The Ag Banker position will manage a diverse loan portfolio, working with originating lenders to modify existing loans, review files for documentation completeness, and maintain delinquency and problem loan records. In this position, you will assist lenders in resolving delinquent or workout credits, develop strategies for managing risk, and ensure loan data is accurate and up to date.

You will also be responsible for analyzing financial data to assess creditworthiness, including reviewing financial statements, calculating ratios and cash flows, and discussing findings with originating lenders. The Ag Banker will prepare and present loan requests to appropriate committees, recommend approval or denial of loans beyond individual lending authority, and ensure loans are structured to minimize risk while maintaining profitability. Additional responsibilities include conducting site inspections, negotiating rates and fees, coordinating loan closings, and following up on outstanding items in collaboration with Loan Administration and Credit Administration.

This position carries lending authority up to established thresholds and requires a strong understanding of agricultural lending, sound judgment, and a relationship-driven approach. At times, additional hours may be required to complete special projects or meet critical deadlines.

Minimum Qualifications

The Ag Banker III position requires a bachelor’s degree in accounting, banking and finance, business administration, or economics, along with at least seven years of agriculture banking/lending experience. Additional years of relevant lending experience may substitute for the degree requirement on a year-for-year basis.

Candidates should demonstrate strong competencies in presentation skills, drive for results, self-development, customer focus, ethics and values, negotiating, decision quality, and functional or technical expertise. This position may be filled as an Ag Banker II, which requires a bachelor’s degree in accounting, banking and finance, business administration, or economics, and a minimum of five years of agriculture banking/lending experience. Additional years of lending experience may substitute for the degree requirement on a year-for-year basis.