Commercial & Ag Lender — Community Banking Leader

The Agency; Illinois; On-site; USD 85,000 - 110,000; Full time

Job summary

The Agency in Central Illinois seeks an experienced Commercial/Agricultural Lender to develop and manage a portfolio of commercial and agricultural loans. This role focuses on building lasting relationships with business owners, farmers, and local decision-makers while maintaining sound credit fundamentals.

You will evaluate opportunities, structure credit solutions, and partner with credit and leadership through approval and closing, with a strong emphasis on local decision-making and community

Qualifications

• Bachelor’s degree or equivalent banking experience in finance, agriculture, or related field.
• Strong understanding of credit analysis, loan structuring, cash flow, collateral and risk management.
• Experience with commercial and agricultural lending and knowledge of local market (Central Illinois) preferred.

Responsibilities

• Develop, manage, and grow a portfolio of commercial and agricultural loans including operating lines, equipment financing, real estate, term debt and other credit needs.
• Build and expand relationships with existing customers while pursuing new business in Central Illinois.
• Evaluate loan opportunities through financial analysis, cash flow assessment, collateral review, risk identification and credit structuring.
• Structure credit solutions balancing customer needs with bank risk standards.
• Engage with customers to understand their businesses, seasonal needs, and long-term financial goals.
• Collaborate with credit operations and leadership through underwriting, approval, documentation, and closing processes.
• Monitor portfolio performance, renewals, annual reviews, covenant compliance, and emerging credit concerns.
• Develop referral networks with local professionals and community organizations.

Skills

Credit analysis

Cash flow analysis

Loan structuring

Risk management

Relationship building

Community banking

Business development

Education

Bachelor’s degree or equivalent banking experience

Job description

The Agency in Central Illinois seeks an experienced Commercial/Agricultural Lender to develop and manage a portfolio of commercial and agricultural loans. This role focuses on building lasting relationships with business owners, farmers, and local decision-makers while maintaining sound credit fundamentals.

You will evaluate opportunities, structure credit solutions, and partner with credit and leadership through approval and closing, with a strong emphasis on local decision-making and community