Agricultural & Commercial Loan Officer

Position Summary

The Agricultural & Commercial Loan Officer is responsible for developing new business, expanding existing client relationships, and driving loan growth within the agricultural and commercial markets. This individual will serve as a trusted financial partner to business owners, agricultural producers, and community members by identifying financial needs and providing tailored lending solutions.

Through proactive business development, relationship management, and community involvement, the Loan Officer will strengthen the Bank's market presence while supporting long-term growth and profitability. This role requires strong financial analysis skills, sound credit judgment, and the ability to manage the lending process from origination through closing.

Commercial & Agricultural Lending

• Develop and grow a portfolio of commercial and agricultural lending relationships while generating new loan opportunities.

• Prospect new clients and build relationships with business owners, agricultural producers, and community stakeholders.

• Manage the full lending process, including loan origination, financial analysis, underwriting, credit presentations, approvals, and closing.

• Analyze financial statements, tax returns, and cash flow to evaluate creditworthiness and make sound lending recommendations.

• Prepare and present loan requests to the Credit Committee.

• Structure lending solutions that meet client needs while maintaining credit quality and managing risk.

• Monitor existing loan relationships and identify additional opportunities and potential concerns.

Business Development & Relationship Management

• Develop and execute strategies to attract new commercial and agricultural customers and grow the Bank's market presence.

• Build lasting relationships with clients, referral sources, business professionals, and community partners.

• Proactively identify current and prospective clients' financial needs and recommend appropriate solutions.

• Collaborate with internal banking partners to identify cross-selling opportunities and provide referrals for additional products and services.

• Deliver exceptional customer service through consistent communication and a relationship-focused approach.

• Represent the Bank through community involvement, networking, and local business events.

Credit Administration & Risk Management

• Apply knowledge of banking regulations, lending policies, and internal procedures when evaluating credit transactions.

• Exercise sound judgment when making credit decisions while ensuring compliance with Bank policies and regulatory requirements.

• Identify and mitigate lending risks to protect the interests of the Bank and its customers.

• Maintain accurate loan documentation and ensure compliance with established lending standards.

Key Competencies & Qualifications

The ideal candidate will have a strong background in agricultural and commercial lending, financial analysis, and business development. They should be capable of independently managing a lending portfolio, handling multiple priorities, and contributing to the Bank's overall growth.

Successful candidates will demonstrate:

• Strong knowledge of agricultural and commercial lending, banking operations, and financial services.

• Proven business development skills and the ability to generate new business and build referral networks.

• Experience with financial statement analysis, cash flow evaluation, credit decisions, and loan structuring.

• Knowledge of federal banking regulations, lending policies, and compliance requirements.

• Strong decision-making, problem-solving, and organizational skills.

• Excellent communication, negotiation, and relationship-building abilities.

• High integrity, professionalism, accountability, and the ability to work independently.

The successful candidate will be a self-motivated, results-driven professional who takes ownership of their market, embraces new business opportunities, and is committed to building lasting relationships within the agricultural and commercial communities.

Apply today for confidential consideration!

Call (605) 799-2261 to discuss this exciting career opportunity. Confidential resumes may also be emailed to

todd.vanvugt@gogpac.com

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.

GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.