Commercial/Ag Loan Officer

Constitution Bank; Hillsboro (IL); On-site; USD 70,000 - 110,000; Full time

Job summary

Constitution Bank is seeking a dedicated Commercial Ag Lender for its Hillsboro Main Branch. This role involves developing and managing a portfolio of commercial and agricultural loans, which includes originating, underwriting, and closing loans.

The ideal candidate will possess a Bachelor’s degree in Finance or related fields and have at least 2 years of experience in lending or credit analysis. Strong communication and customer service skills are essential for success in this position.

Qualifications

• Bachelor’s degree or equivalent experience.
• 2+ years of commercial or ag lending experience.
• Strong understanding of credit analysis.

Responsibilities

• Develop and manage relationships with commercial and agricultural clients.
• Originate, evaluate, structure, and close new loans.
• Analyze financial statements and market conditions.
• Conduct farm visits and site inspections.
• Monitor loan performance and ensure compliance.
• Complete and ensure accurate loan documentation.

Skills

Strong understanding of financial statements

Excellent communication skills

Sales skills

Customer service skills

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: Hillsboro Main Branch – Hillsboro, IL 62049

Salary Range: $70,000.00 – $110,000.00 Base + Commission per year

Job Shift: Day

Constitution Bank is expanding to Bethalto, IL and is seeking a dedicated Commercial Ag Lender to join the team! The Commercial / Agricultural Loan Officer is responsible for developing and managing a portfolio of commercial and agricultural loans, including originating, underwriting, structuring, and closing loans. This role involves evaluating loan applicants' financial status and creditworthiness, maintaining strong customer relationships, and ensuring compliance with bank policies and regulatory requirements.

Constitution Bank in Bethalto will open Fall 2026. All training will take place in the Hillsboro Main Branch and other surrounding CB locations.

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.