Commercial Lender

The Agency; Mason City (IA); On-site; USD 120,000 - 180,000; Full time

Job summary

The Agency in Mason City, IA seeks a VP Commercial Lender to drive growth and manage a commercial portfolio. You will originate C&I and CRE loans, structure credit facilities, and mentor junior lenders while upholding disciplined credit standards.

This role offers portfolio ownership, direct client engagement, and a clear path to leadership within a stable community bank known for responsive decisions and long-standing client partnerships.

Qualifications

• Must have 5+ years in commercial and ag lending with proven growth in a portfolio.
• Strong financial analysis and credit underwriting capabilities.
• Solid understanding of regulatory compliance and lending policies.

Responsibilities

• Develop and manage a portfolio of commercial and middle-market lending relationships.
• Originate C&I and CRE loan opportunities.
• Structure and negotiate credit facilities (lines, term loans, CRE financing).
• Analyze financial statements, tax returns, and cash flow projections for credit risk.
• Prepare loan packages and present to loan committee.
• Monitor portfolio performance and asset quality; ensure regulatory compliance.
• Cross-sell deposits and treasury management services.
• Engage in community and business development activities.
• Maintain ongoing communication with clients about financing needs and opportunities.

Skills

Business development

Credit underwriting

Financial analysis

Relationship management

Lending policy knowledge

Communication

Education

Bachelor’s degree in Finance/Business

Job description

Job Description

A community-focused financial institution is seeking a VP Commercial Lender to support continued growth. The organization has built a reputation for responsive decision-making, disciplined credit practices, and long-standing partnerships with businesses across its markets. This opportunity offers portfolio ownership, direct client engagement, and the ability to contribute to meaningful loan growth within a stable and collaborative banking environment.

The VP Commercial Lender will focus on developing new business relationships, structuring customized credit solutions, and managing an existing portfolio while maintaining strong asset quality.

Key Responsibilities:

• Develop and manage a portfolio of commercial and middle-market lending relationships
• Originate commercial and industrial (C&I) and commercial real estate loan opportunities
• Structure and negotiate credit facilities, including lines of credit, term loans, and real estate financing
• Analyze financial statements, tax returns, and cash flow projections to assess credit risk
• Prepare and present loan packages and recommendations to the loan committee
• Monitor portfolio performance to ensure strong asset quality and regulatory compliance
• Cross-sell deposit and treasury management services to strengthen client relationships
• Participate in community engagement and business development activities
• Maintain consistent communication with clients regarding financing needs and opportunities

Required Qualifications:

• At least 5 years of commercial and ag lending experience
• Demonstrated success in business development and portfolio growth
• Strong financial analysis and credit underwriting expertise
• Experience with C&I and commercial real estate lending structures
• Solid understanding of regulatory compliance and lending policies
• Strong communication, negotiation, and relationship-building skills
• Established local business network preferred
• Bachelor’s degree in Finance, Business, or related field preferred

This is a strong opportunity for a commercially driven financial professional seeking portfolio ownership, local market impact, and long-term career growth within a respected institution.