Ag/Commercial Lender

Citizens First Bank • Viroqua, WI

3d

About The Position

Looking for a role where your expertise makes a real difference? At Citizens First Bank, agricultural lending is rooted in understanding the day‑to-day realities of farming operations, long‑term plans, and the communities we serve. While this role also supports commercial relationships, the primary focus is partnering with local farmers, agribusinesses, and rural families. As an Agricultural & Commercial Lender, you'll build trusted relationships and contribute to a supportive, community‑focused banking culture.

Requirements

• 3+ years of lending experience (agricultural, commercial, or related lending preferred)
• Bachelor's degree or equivalent work experience
• Strong credit analysis and underwriting skills
• Ability to build and maintain long-term customer relationships
• Solid understanding of agricultural operations, cash flow cycles, and collateral structures
• Professional, customer-focused communication and networking skills

Responsibilities

• Build and maintain trusted relationships with agricultural customers, agribusinesses, and local commercial clients
• Originate, assist with underwriting, and manage agricultural, commercial, and consumer loans
• Structure and analyze credit requests, working closely with the Credit team to ensure accurate, well-supported credit decisions and policy compliance
• Grow your portfolio through proactive outreach, farm visits, business calls, and referrals
• Collaborate closely with Credit Administration and Loan Support teams to ensure efficient, accurate loan processing and closing
• Monitor portfolio performance, manage renewals, and address credit concerns with a solutions-oriented approach
• Actively participate in community events, agricultural organizations, and local business groups
• Stay current on agricultural lending trends, government-guaranteed programs, and evolving market conditions
• Other duties as needed

Benefits

• Competitive compensation – Competitive base salary with discretionary year-end bonus
• Outstanding retirement benefits – Up to 9% employer contributions, even before you contribute
• Healthcare support – Bank-paid access to Neighborhood Family Clinic for you and your dependents
• Comprehensive benefits package – Includes a $50,000 bank-paid life insurance policy
• A relationship-driven culture – Join a family-oriented, community-focused bank that values integrity, collaboration, and long-term success

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 11-50 employees