Commercial Lender

The Agency; Mason City (IA); On-site; USD 110,000 - 170,000; Full time

Job summary

The Agency in Mason City, IA, is seeking a VP Commercial Lender to drive loan growth and own a commercial portfolio. You will develop new business relationships, structure customized credit solutions, and maintain strong asset quality in a stable community-focused bank.

This role offers direct client engagement, collaboration with senior lenders, and opportunities to influence credit policies while serving local businesses and partners.

Qualifications

• Requires 5+ years in commercial and ag lending with proven portfolio growth.
• Strong financial statement analysis, cash flow modeling, and credit underwriting.
• Experience with C&I and CRE lending structures and regulatory compliance.

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 including lines of credit and term loans.
• Analyze financial statements, tax returns, and cash flows to assess risk.
• Prepare loan packages and present recommendations to the loan committee.
• Monitor portfolio performance for asset quality and compliance.
• Cross-sell deposits and treasury services to strengthen client relationships.
• Engage in community activities and local business development.
• Maintain communication with clients about financing needs and opportunities.

Skills

Business development

Financial analysis

Credit underwriting

Relationship-building

Negotiation

Communication

Education

Bachelor’s degree in Finance, Business, or related field

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.