Careers

At Kaw Valley State Bank, you're more than just an employee. You're part of the KVSB family. We believe in working hard, supporting one another, and being involved in the community. If you're looking for a workplace where you’re known by name and encouraged to grow, you’ve found it.

Agricultural & Commercial Loan Officer

Location: Wamego, KS

Employment Type: Full Time

Position Summary:

The Agricultural & Commercial Loan Officer is responsible for developing, originating, and managing a portfolio of agricultural and commercial loans. This role focuses on building long term relationships with farmers, ranchers, agribusinesses, and local commercial clients while ensuring sound credit quality and compliance with bank policies. The officer will balance growth objectives with risk management, contributing to the overall success of the bank and the communities it serves. We believe community involvement is essential to the success of the officer and KVSB.

Key Responsibilities:

• Develop new business and expand existing relationships within the agricultural, small business, and commercial sectors.
• Originate, structure, and close a variety of loans, including operating lines of credit, equipment financing, and real estate secured loans.
• Conduct detailed financial analysis, including cash flow, collateral evaluation, and repayment capacity for both agricultural and commercial borrowers.
• Maintain and service an existing loan portfolio, including annual reviews, renewals, and ongoing risk monitoring.
• Perform farm and business visits to assess operations, collateral, and management practices.
• Structure loans in accordance with bank policy, regulatory requirements, and sound lending practices.
• Prepare comprehensive credit presentations and loan packages for approval.
• Monitor market trends in agriculture and commercial industries, including commodity prices, input costs, and economic conditions.
• Ensure compliance with all federal and state banking regulations and internal credit policies.
• Collaborate with loan operations to ensure efficient processing and closing.
• Represent the bank in the community through networking, local events, and industry involvement.

Qualifications:

• Bachelor’s degree in Agricultural Economics, Finance, Business, or related field preferred.
• 3+ years of lending or financial analysis experience in agricultural, commercial, or rural banking environments preferred, but not required.
• Understanding of agricultural operations, including crop and livestock production cycles.
• Experience analyzing commercial financial statements and tax returns.
• Knowledge of loan structuring, collateral valuation, and credit risk assessment.
• Strong interpersonal and relationship building skills.
• Ability to work independently while managing multiple client relationships and deadlines.
• Proficiency in computer skills and ability to learn loan origination systems and financial analysis tools.

Core Competencies:

• Credit analysis and underwriting expertise
• Relationship management and business development
• Knowledge of agricultural economics and market cycles
• Risk management and loan structuring
• Strong communication skills
• Attention to detail and regulatory compliance

Performance Expectations:

• Achieve annual loan growth and portfolio quality targets.
• Maintain acceptable levels of past dues, delinquencies, and charge offs.
• Build and retain strong client relationships resulting in repeat and referral business.
• Deliver accurate, well documented credit presentations with minimal exceptions.
• Actively contribute to the bank’s reputation and presence in the local community.

Work Environment & Schedule:

• Combination of office based work and field visits to farms, ranches, and business locations.
• Travel within the local and regional market is required.
• Standard business hours.

Compensation:

• Compensation dependent upon experience.
• Benefits package may include health insurance, retirement plan, paid time off, and continuing education opportunities.

Loan Support Specialist

Location: St. Marys, KS

Employment Type: Full Time

Position Summary:

Kaw Valley State Bank is looking for a detail-oriented and dedicated employee to work in our loan department. The ideal candidate is someone who has the ability to work in a fast-paced environment, has prior banking or financial experience, and works well in a team setting.

Key Responsibilities:

• Maintain and set up files on each loan, and ensure that the information is complete and accurate before proceeding to the loan officer for approval.
• Processes documents for payments or fees.
• Perform administrative duties, such as typing, filing, or routine clerical work.
• Assist loan officer with loan generation, processing, preparation, and maintenance.
• Greet customers and direct them to the proper department or employee.
• Process invoices and check requests.
• Generate weekly reports.
• Receive and post monthly payments, and respond to such inquiries as necessary.
• Answer and direct phone calls to the corresponding loan officer, and arrange appointments as necessary.
• Demonstrate basic general knowledge of retail bank products and services.
• Maintain knowledge of aspects of the teller line including processing transactions, balancing cash drawer and vault, and basic branch operations functions.
• Ensure all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training.
• Perform other duties and responsibilities as assigned.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

Skills:

• Exceptional customer service skills
• Ability to read and interpret documents such as procedure manuals, general business correspondence and/or journals or government regulations.
• Ability to write simple business correspondence.
• Ability to read, write, analyze and comprehend simple financial documents, and/or legal documents.
• Ability to effectively present information in one-on-one and small group situations, to customers, clients and other employees in the organization.
• Ability to effectively respond to questions from groups of managers, clients, customers and the general public.
• Ability to prioritize and perform a variety of concurrent tasks with minimal direction.

Work Environment:

• Normal business office environment
• Occasional local travel required

Education and/or Experience:

• HS Diploma/GED required, Associate’s degree or higher preferred
• One year of banking customer service preferred
• One year sales experience preferred
• Cash handling experience preferred

Equal Opportunity Employer

Kaw Valley State Bank's policy is to provide equal opportunity to all qualified applicants and employees without regard to race, color, religion, national origin, sex, age, disability, or other factors which are not job related. Applicants requiring reasonable accommodation to the application and or interview process should notify a representative of Kaw Valley State Bank.