AVP & Commercial/Agricultural Lender

Minnesota Bankers Association; Minnesota; On-site; USD 70,000 - 90,000; Full time

Job summary

A family-owned community bank in Minnesota is seeking an AVP & Commercial/Agricultural Lender to join their team in Graceville, MN. The ideal candidate will have over 5 years of agricultural or commercial lending experience and be responsible for managing loans, providing credit analysis, and soliciting new business. This role offers a chance to work in a supportive environment while helping to meet the financial needs of the community.

Qualifications

• 5+ years of experience in agriculture or commercial lending.
• Formal credit training.
• Ability to analyze complex financial statements.

Responsibilities

• Solicit for loan and deposit business.
• Originate and maintain loan relationships.
• Perform credit analysis and monitoring.

Skills

Independent, critical thinking

Problem-solving skills

Good organization skills

Excellent communication skills

Math aptitude

Proficiency with bank software

Education

Bachelor's degree

Job description

AVP & Commercial/Agricultural Lender

Star Bank

228 Studdart Ave, Graceville, MN 56240

Job Description

We are looking for an individual to join the team in our Graceville, MN office.

Summary of Job Responsibilities: Solicit for loan, deposit, and financial services business. Originate and maintain commercial/agricultural loan relationships. Manages own credit portfolio with primary accounts averaging greater than $250K. Provides credit analysis, approval, and monitoring for new and existing customers. Monitors incoming financial statements for covenant requirements. Perform collateral audits, accounts receivable analysis, and borrowing base certificate reviews. Sell products to new and existing customers with the goal of generating fee income. Teams with other senior commercial bankers, assisting with relationship management, ongoing customer communication, and active cross selling of related products and services. Performs all job responsibilities according to compliance and audit requirements.

Essential Duties and Responsibilities

• Contact prospects and customers for new business.
• Interview loan applicants.
• Analyze credit worthiness.
• Establish structure of loans within framework of loan policy and extend loans up to approved lending authority per loan policy.
• Ensure documentation is completed and accurate.
• Monitor loans in repayment.
• Collect loans in default.
• Refer larger loan requests for approval or denial as per loan policy.
• Other duties and responsibilities as assigned.

Education & Experience

Bachelors degree (BA); and five plus years of experience in agriculture field and/or commercial lending experience. Specific, formal credit training which includes the ability to analyze complex balance sheets, income statements, cash flow statements and the appropriate ratios for each.

Skill / Knowledge Requirement

• Must remain current on banking rules and regulations and adapt work processes and procedures as necessary according to the changing regulations.
• Pay attention to detail and accuracy.
• Communicate new ideas in a productive manner.
• Independent, critical thinking and problem-solving skills.
• Math aptitude and the ability to find system errors.
• Proficiency with bank software and technology.
• Team orientation and the ability to adapt in a fun, fast-paced environment.
• Self-motivation, good organization skills, and excellent communication and phone skills.

About Us

As a family-owned community bank that proudly serves 11 great Minnesota communities, Star Bank's mission is to anticipate and meet the financial needs of our customers across the state of Minnesota by providing caring and personalized financial services that are consistent with our core values. We hold those same values for our employees and are committed to their long-term success and personal development.

How to Apply

To apply, and for more information, visit our career page at https://www.star.bank/careers

MBA Job number/Date Added H-8059: 10/7/25