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OPEN POSITIONS: 1) Credit Analyst, 2) Commercial Insurance Sales Agent

Commercial Insurance Sales Agent - P&C
Salary Range: $90,000-$120,000 (DOE)
Reports To: Director of Operations
Location: Mankato, MN

At AgQuest/Minnesota River Insurance, we are committed to providing exceptional insurance services by leveraging our extensive knowledge within the industry. Our mission is to build strong relationships through clear communication and personalized risk management solutions, becoming trusted advisors to our clients. We specialize in property and casualty commercial insurance for small and large companies and operations across Minnesota, ensuring our clients feel secure and informed.

Primary Objectives of the Position:

• Serve as a front-line sales agent for property and casualty insurance, with primary emphasis on commercial lines coverage.
• Partner with AgQuest and Cooperative members to implement effective in-house communication and networking strategies to promote our products and services.
• Develop a strong understanding of our insurance carriers' coverages, products, and competitive advantages to confidently position AgQuest/MN River Insurance over the competition.
• Continuously seek and engage in industry training to stay ahead of market trends, policy updates, and product innovations.
• Proactively create and capitalize on new growth opportunities through self-marketing and a robust referral network.

Key Responsibilities:

1) Prospecting & Sales

• Build and manage a pipeline of prospective clients, develop leads, and schedule appointments.
• Conduct client interviews to assess risk management needs and propose customized insurance solutions.
• Educate clients and prospects on policy features, tailoring recommendations to fit their unique needs.
• Actively engage with clients daily to secure new sales and maintain high customer retention rates.
• Travel to client locations or community events as needed to support business growth.

2) Retention & Customer Service

• Meet with clients annually for comprehensive policy reviews, addressing changes in coverage needs and risk management strategies.
• Handle policy renewals, changes, and claims efficiently while maintaining excellent customer service.
• Serve as a liaison between clients and company teams to resolve issues and ensure customer satisfaction.

3) Marketing & Relationship Building

• Collaborate with AgQuest internal teams and cooperative retailers to identify opportunities for sales and relationship growth.
• Foster connections through extended community involvement, including participation in professional organizations and educational events.
• Leverage existing client relationships to develop referral sources for new business opportunities.

4) Communication & Documentation

• Accurately document all client interactions in the Agency Management System, ensuring efficiency and compliance.
• Communicate effectively with internal service teams and retailer members to streamline processes and enhance service delivery.

5) Education & Professional Development

• Maintain active Property & Casualty licensing, meeting all continuing education (CE) requirements.
• Pursue advanced certifications (e.g., AFIS, CIC) to expand industry knowledge and expertise.

Qualifications/Requirements:

Education & Experience:

• Bachelor’s degree in finance, business, economics, or related field preferred; minimum 3-5 years of insurance experience preferred.
• Valid MN Property & Casualty Insurance license (or ability to obtain within 60 days of employment).
• Advanced knowledge of insurance products, rating, and underwriting procedures.

Skills & Attributes: 

• Strong analytical skills to assess client needs and recommend appropriate solutions.
• Excellent verbal and written communication abilities, with a knack for building trust and educating clients.
• Goal-oriented, self-motivated, and confident in handling rejections during prospecting efforts.
• Well-organized, with an ability to manage time effectively and prioritize tasks.
• Strong customer service skills to foster long-term client relationships.
• Competent in using digital tools and software for documentation and communication.

Physical Requirements/Working Conditions:

• Ability to work in a climate-controlled office environment with extended periods of sitting.
• Vision and hearing must meet job requirements to perform duties effectively.
• Occasional travel required for client meetings and community events.

Credit Analyst
Salary Range: $60,000–$90,000 (DOE)
Reports To: Director of Credit
Location: Morgan, MN

AgQuest Financial Services, Inc. is a growing agricultural financial services company serving farm supply retailers nationwide. We partner with retailers to provide integrated financing and insurance solutions for agricultural customers.

We are seeking a Credit Analyst to analyze and underwrite agricultural loan applications, reviewing financial statements, tax returns, and production history while ensuring compliance with loan policy.

Key Responsibilities

• Analyze financial and production data for agricultural loan requests
• Prepare credit presentations using the 5 C’s of Credit
• Ensure compliance with credit policies
• Support loan processing and documentation
• Maintain accurate records in internal systems

Qualifications

• Bachelor’s degree in Accounting or Finance
• 5+ years of credit underwriting experience
• Knowledge of agricultural finance and production
• Strong analytical, communication, and organizational skills
• Proficiency with Microsoft Office and financial software
• Valid driver’s license

Benefits

• Competitive salary ($60K–$90K DOE) plus profit-sharing bonuses.
• Comprehensive Health, dental, and vision insurance and wellness benefits.
• Pension and 401(k) with company match.
• Paid holidays, PTO, Life Insurance, STD/LTD.

Professional development opportunities and career growth with a collaborative, innovative cooperative environment.