Ag Loan Officer (6402)

LONGVIEW BANK•Tuscola, IL

11d•$65,000 - $95,000•Onsite

About The Position

Longview Bank is seeking a Loan Officer with an agricultural lending or commercial lending background. The selected candidate will focus primarily on the lending area that best aligns with their experience and the bank’s needs. The role contributes to the bank’s growth and profitability by building customer relationships, making sound lending decisions, managing credit risk, and generating new business. It is suited to someone who enjoys understanding customers’ financial needs, developing lasting relationships, and participating in the local community. The Loan Officer develops and manages a loan portfolio; analyzes loan requests and financial information; structures, documents, and monitors loans under bank credit standards; and develops new business while deepening existing relationships. The role works with Loan Operations and other bank teams to provide a strong customer experience, maintains compliance with bank policies and regulations, and represents the bank positively in the community. For an agricultural lending focus, the position manages agricultural customer relationships and opportunities involving farm operating, farm real estate, equipment, and other agriculture-related loans. It requires understanding farming operations, cash flows, financial needs, and seasonal lending cycles; evaluating agricultural financial information, repayment capacity, and collateral; and participating in relevant agricultural organizations, events, and community activities. For a commercial lending focus, the position manages commercial customer relationships and opportunities; analyzes business financial statements, cash flow, credit requests, and related information; structures loans according to customer needs, repayment capacity, collateral, and credit risk; monitors relationships and credit quality; and participates in business and community activities that support business development. This is a full-time, salaried position based at the Tuscola Branch in Tuscola, Illinois. The schedule is Monday through Friday, 40 or more hours per week. Loan Officers must be available during standard branch hours, which may include Saturdays, and for occasional after-hours community events, customer meetings, or bank-related activities. The position is at-will and the job description does not create an employment contract.

Requirements

Knowledge of lending products, credit analysis, financial risk assessment, and underwriting principles.
Experience analyzing financial statements and other borrower financial information.
Familiarity with applicable lending regulations, compliance requirements, and banking practices.
Proficiency with Microsoft Office and financial analysis tools.
Strong communication, relationship-building, negotiation, and interpersonal skills.
Ability to organize and prioritize responsibilities, work independently, exercise sound judgment, and manage multiple customer relationships.
Commitment to ethical standards, customer confidentiality, sound lending practices, business development, and professional representation of the bank.
Availability during standard branch hours, which may include Saturdays, and for occasional after-hours community events, customer meetings, or bank-related activities.

Nice To Haves

Bachelor’s degree in Finance, Business, Economics, Agriculture, or a related field preferred.
Three years of experience in agricultural lending, commercial lending, relationship management, credit analysis, or a related role preferred.

Responsibilities

Develop and manage a loan portfolio while building strong customer relationships.
Analyze financial information and loan requests to make sound lending decisions.
Structure, document, and monitor loans in accordance with bank credit standards.
Develop new business and deepen existing customer relationships.
Partner with Loan Operations and other bank teams to provide an excellent customer experience.
Maintain compliance with bank policies and regulatory requirements and represent the bank positively in the community.
For an agricultural lending focus: manage agricultural customer relationships and lending opportunities, including farm operating, farm real estate, equipment, and other agriculture-related loans.
For an agricultural lending focus: understand farming operations, cash flows, financial needs, and seasonal lending cycles; evaluate agricultural financial information, repayment capacity, and collateral.
For an agricultural lending focus: participate in agricultural organizations, events, and community activities that support relationship and business development.
For a commercial lending focus: manage commercial customer relationships and lending opportunities.
For a commercial lending focus: analyze business financial statements, cash flow, credit requests, and other relevant financial information; structure loans according to customer needs, repayment capacity, collateral, and credit risk.
For a commercial lending focus: monitor commercial relationships and identify changes in financial performance or credit quality.
For a commercial lending focus: develop new business relationships with local businesses and deepen existing commercial relationships.
For a commercial lending focus: participate in business and community activities that support relationship and business development.