Ag Lender (Business Banker)

Minnwest Bank; Minnesota; Hybrid; USD 103,000 - 129,000; Full time

Benefits offered by this job

Sales incentive plan

Bonus opportunities

Job summary

Minnwest Bank is seeking an Ag Lender (Business Banker) in Spring Valley, MN, to lead agricultural and commercial loan origination and portfolio management. This role requires strong relationship-building, credit analysis, and cross-selling across deposit and cash-management services.

You will work in-office with a focus on serving local customers and communities. The position offers a competitive salary range, incentive opportunities, and a comprehensive benefits package.

Qualifications

• 5+ years' agricultural lending experience or equivalent
• Formal credit training or equivalent
• Minimum of 6 college accounting credits with ability to analyze complex financial statements

Responsibilities

• Develops and maintains relationships to drive loan growth and cross-sell bank services.
• Prepare accurate credit write-ups and loan presentations; manage a $20–$40M loan portfolio and minimize losses.
• Represent the bank professionally to promote the institution and participate in community activities.
• High emphasis on face-to-face customer interaction, coordination with teams, and meeting loan objectives.
• Willingness to travel for training or meetings.

Skills

Relationship management

Sales

Credit analysis

Communication

Problem solving

Financial statement analysis

Education

College accounting credits (6+)

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Ag Lender (Business Banker)

Full-time Regular PROFESSIONALS 2B Spring Valley, MN, US

Salary Range: $103,000.00 To $128,750.00 Annually

About Minnwest

Minnwest is a family owned, community bank based in Minnesota and South Dakota. We believe our success is measured by the extent in which we have a positive impact on the communities we serve. We are committed to building strong, vibrant communities through our core values:

• The customer is the first priority.
• We will keep all of the commitments we make.
• We are the people who get things done.
• We will work together as a team.

Location: Spring Valley, MN
Work arrangement: In office

Job Summary

Business Bankers have a critical role in providing a knock-out customer experience and ensuring that our customers are our first priority. Business Bankers are responsible for all aspects of agricultural and commercial business development. You manage your own credit portfolio and cross-sell other bank services, primarily deposit accounts and cash management services. Business Bankers solicit prospects and customers for loan and deposit business. You will team with other Business Bankers to assist with relationship management, ongoing customer communication and active cross-selling of related products/services. You are responsible for originating and servicing ag and commercial loans in accordance with the bank's service standards and loan policy.

Duties and Responsibilities (including but not limited to)

• Business Development/Relationship Management: Develops and maintains relationships, sustaining high-quality loan growth, annual sales of $5 million. Meet with customers and prospects to determine needs and recommend products that meet bank's lending and deposit guidelines. Supports our strong relationship banking culture through ongoing customer contact, quality customer service and superior product knowledge. Appropriate pricing on new loan originations and renewals, fee income and selling of all bank products and services.
• Portfolio Management: Prepare accurate and high-quality credit write-up and loan presentation to loan committee. Manage an existing loan portfolio of $20-40 million, minimizing loan losses and exceptions. Manage delinquencies and collaborate with loan operations, credit analyst and other support teams.
• Administration: Represent the bank in a professional, ethical and moral manner to promote the institution in the communities it serves. Takes an active role in key civic and community events/organizations. Supports an environment that promotes providing a level of care that makes customers feel welcomed, significant and engaged.
• 5 or more years' agricultural lending experience or equivalent combination of education and experience
• Specific, formal credit training or equivalent
• Minimum of 6 college accounting credits, including ability to analyze complex balance sheets, income statement ratios and cash flow statements
• Action-oriented: the ability to recognize and act on problems with a sense of urgency and enthusiasm
• Ability to gather and analyze customer needs and feedback and propose customer centric solutions to meet their needs
• Build strong customer relationships and ability to build customer loyalty
• Ability to analyze complex balance sheet, income statement ratios, and cash flow statements
• Sales Prospecting, Planning and Organizational skills

Schedule

Monday – Friday: 8:00 a.m. – 5:00 p.m.

• Requires face-to-face interaction and coordination of work with other employees and departments, and in-person interaction.
• Working at a computer and utilizing a telephone
• Occasionally lifting up to 50lbs
• May involve traveling for training or meetings

Salary Range

$103,000 - $128,750 + sales incentive plan and bonus opportunities

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. The salary range represents anticipated base pay for this role. The actual pay offered will consider internal equity and may vary based on factors including but not limited to work location, candidate’s job-related knowledge, skills, and experience, among other factors.

Minnwest Benefits

In addition to salary, Minnwest Bank offers a comprehensive benefits package, including incentive and recognition programs. Minnwest Bank is focused on taking care of our employees and their families, and supporting their health and financial well-being, including:

• Comprehensive Medical, Vision and Dental Insurance
• Retirement savings including 401(k) with Employer Match and Employee Stock Ownership Plan (ESOP)
• Paid Holidays and Competitive Paid Vacation Days
• Short- and Long-Term Disability
• Life, Critical Illness, and Accidental Insurance
• Tuition Reimbursement and Career Development Opportunities
• Paid Time Off to volunteer in your community
• Opportunities to connect with others through our diversity and inclusion focused Employee Resource Group

All benefits are subject to eligibility requirements.

A full background check, including federal, state, county, and civil, and general financial credit check will be conducted on the final candidate for this position. Candidate must pass the background check and financial credit check in order to obtain employment with Minnwest. Failure to meet any of the requirements may result in a rescission or your offer of employment.

EEO: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.