Commercial/Ag Loan Officer

Constitution Bank; Greenville (IL); On-site; USD 70,000 - 100,000; Full time

Job summary

Constitution Bank in Greenville, IL is seeking an experienced professional to develop and manage relationships with commercial and agricultural clients, including farmers and businesses. You will evaluate and close new loans while ensuring compliance with regulatory policies.

The ideal candidate holds a Bachelor's degree and has at least 2 years of experience in banking or commercial lending. Proficiency in Microsoft Office tools is preferred, along with excellent customer service and communication skills.

Qualifications

• 2+ years of experience in commercial or ag lending, credit analysis, related banking experience, or sales.
• Strong understanding of financial statements and lending.
• Excellent communication, sales, and customer service skills.

Responsibilities

• Develop relationships with commercial and agricultural clients.
• Manage and close new commercial and ag loans.
• Analyze financial statements and market conditions.
• Conduct farm visits and borrower interviews.
• Monitor loan performance and compliance.

Skills

Relationship management

Credit analysis

Communication

Customer service

Education

Bachelor's degree in Finance, Agribusiness, Business Administration, or related field

Tools

Microsoft Office Tools (Excel, Word, Outlook)

Job description

Job Details

Job Location: Greenville Branch - Greenville, IL 62246

Salary Range: $70,000.00 - $100,000.00 Base+Commission/year

Job Shift: Day

Key Responsibilities

• Develop and manage relationships with commercial and agricultural clients, including farmers and small-to-mid-sized businesses.
• Originate, evaluate, structure, and close new commercial and ag loans.
• Analyze financial statements, cash flows, credit reports, collateral, and market conditions.
• Conduct farm visits, site inspections, and borrower interviews to assess business operations and collateral value.
• Monitor loan performance, collect updated financial information, and ensure compliance with terms and covenants.
• Ensure all loan documentation is complete, accurate, and compliant with internal policies and regulatory requirements.
• Work closely with credit analysts, underwriters, and management.
• Participate in community and industry events to build business development opportunities and represent the bank’s brand.
• Stay informed about local and regional economic conditions, industry trends, and changes in ag and commercial lending regulations.

Qualifications

• Bachelor's degree in Finance, Agribusiness, Business Administration, or a related field (or equivalent experience).
• 2+ years of experience in commercial or ag lending, credit analysis, related banking experience, or sales.
• Strong understanding of financial statements, credit analysis, and lending.
• Excellent communication, sales, and customer service skills.

Preferred Skills

• Familiarity with local communities / markets.
• Microsoft Office Tools: Excel, Word, and Outlook.