Commercial Lender

The Agency; Sioux City (IA); On-site; USD 100,000 - 160,000; Full time

Benefits offered by this job

Annual Bonus

Competitive benefits package

Paid Time Off

Banking school support (where applicab

Job summary

The Agency is seeking an experienced Commercial Banker to join its lending team in a role that inherits an established $25–30MM commercial loan portfolio and relationships across the local market.

As a relationship-focused lender, you will grow the portfolio, underwrite loans, and cross-sell treasury management and other bank products within a stable, community-focused organization.

Qualifications

• 5–10+ years of commercial banking experience.
• Proven experience managing commercial lending relationships.
• Strong credit and underwriting skills for commercial loans.
• Ability to analyze financial statements and assess credit risk.
• History of growing commercial portfolios and meeting loan growth targets.

Responsibilities

• Manage and expand an existing commercial loan portfolio.
• Develop new commercial banking relationships through networking and business development.

Skills

Relationship management

Credit underwriting

Business development

Financial statement analysis

Communication

Education

Bachelor's degree or equivalent banking experience

Job description

A well-established, family-owned community bank is seeking an experienced Commercial Banker to join its lending team. This is an outstanding opportunity to inherit an established $25–30 million commercial portfolio while continuing to grow relationships throughout the local market.

The bank offers true community banking with local ownership, local decision-making, and the autonomy to serve customers without unnecessary bureaucracy. With one lender nearing retirement and another early in their career, this individual will play a key role in supporting continued market growth while helping maintain exceptional service for commercial clients.

This opportunity is ideal for a relationship-focused commercial lender who enjoys business development, understands credit, and values working for a stable institution with a conservative credit culture and deep community roots.

Position Highlights

• Inherited Portfolio – Step into an established $25–30MM commercial loan portfolio with immediate client relationships.
• Relationship-Focused Community Bank – Join a locally owned and operated institution where decisions are made close to the customer.
• Autonomy – Work in an environment that empowers lenders to make an impact without layers of bureaucracy.
• Growth Opportunity – Expand an existing portfolio while developing new commercial relationships throughout the market.
• Stable Organization – Family-owned $3B community bank with strong financial performance and a conservative credit philosophy.
• Collaborative Culture – Work alongside experienced leadership in a team-oriented environment.

Key Responsibilities

• Manage and expand an existing commercial loan portfolio.
• Develop new commercial banking relationships through networking and business development.
• Structure, underwrite, and close commercial lending opportunities across multiple industries.
• Analyze financial statements, cash flow, collateral, and credit risk.
• Present loan opportunities for approval while maintaining strong credit quality.
• Build long-term relationships with business owners and community leaders.
• Cross-sell treasury management, deposit, and additional bank products.
• Monitor portfolio performance and proactively manage credit risk.
• Maintain compliance with bank policies and regulatory requirements.
• Represent the bank throughout the local community.

Required Qualifications

• 5–10+ years of commercial banking experience.
• Demonstrated experience managing commercial lending relationships.
• Proven success developing new business and growing commercial portfolios.
• Strong commercial credit and underwriting experience.
• Experience structuring and underwriting commercial loan relationships ranging from $10MM–$20MM.
• Ability to analyze financial statements and assess credit risk.
• History of consistently producing approximately $5–10MM in annual commercial loan growth.
• Strong communication and relationship management skills.
• Bachelor's degree preferred or equivalent banking experience.

Preferred Qualifications

• Banking School graduate (Graduate School of Banking, ABA, or similar).
• Experience with both Commercial Real Estate (CRE) and Commercial & Industrial (C&I) lending.
• Experience working within a community or regional banking environment.
• Established business development network within a commercial market.
• Annual Bonus
• Competitive benefits package
• Paid Time Off
• Banking school support (where applicable)

Why This Opportunity?

This role offers the chance to join a financially strong, locally owned community bank that continues to invest in its people and the communities it serves. Unlike larger institutions, this bank provides local credit decisions, meaningful autonomy, and the ability to build lasting client relationships. You'll inherit an established portfolio while having the support and flexibility to continue growing your business in a collaborative, relationship-driven culture.

Equal Opportunity Employer

Our client is an Equal Opportunity Employer committed to creating an inclusive workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other protected characteristic under applicable law.