Loan Officer

Minnesota Bankers Association; Harvest (AL); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Competitive salary

Bonus opportunities

401(k)

Health and dental insurance

Paid time off

Job summary

Harvest Bank in Harvest, Alabama is looking for a Loan Officer to help local businesses and farmers grow. This position involves relationship banking, loan origination, and portfolio management. Ideal candidates have 5+ years of lending experience, a relevant degree, and strong interpersonal skills. The competitive salary ranges from $90,000 to $130,000 annually, accompanied by benefits like health insurance and retirement plans. Join a family-owned bank committed to supporting the community.

Qualifications

• 5+ years of lending experience.
• Strong understanding of agriculture and credit underwriting.
• Excellent customer service skills.

Responsibilities

• Develop and maintain relationships with local businesses and agricultural borrowers.
• Analyze loan applications and assess creditworthiness.
• Monitor and manage a loan portfolio for compliance.

Skills

Relationship banking

Financial analysis

Interpersonal skills

Communication skills

Problem-solving abilities

Education

Bachelor’s degree in finance, agricultural business, business administration, or a related field

Tools

Loan origination systems

Microsoft Office

Job description

Loan Officer

Harvest Bank

609 Pacific Ave, Waverly, MN 55390

About the Role

Are you passionate about helping local businesses and farms grow and thrive? Harvest Bank is seeking a motivated, community-oriented Loan Officer to join our team. Depending on the successful candidate’s background, this position will include a sizable portfolio. This role is ideal for someone who values relationship banking, understands the unique needs of agricultural and commercial borrowers, and wants to make a meaningful impact in the communities we serve. A solid underwriting background is a plus.

As part of a locally owned and operated bank with deep roots in Central Minnesota, you will have the autonomy to develop customer relationships while working with a collaborative and experienced team.

Key Responsibilities

Business Development

• Develop and maintain relationships with local businesses and agricultural borrowers to identify and pursue lending and deposit growth opportunities
• Cultivate a referral network by building relationships with area business professionals
• Engage in networking events and community activities to promote the bank’s services
• Support the economic health and development of our trade area

Loan Origination and Underwriting

• Develop, manage, and grow a loan portfolio
• Analyze loan applications, review financial statements, and assess creditworthiness
• Structure loans with appropriate terms and prepare proposals for approval
• Deliver customized lending solutions with integrity and insight

Portfolio Management

• Monitor and manage a loan portfolio to ensure compliance and performance
• Collaborate with clients to address challenges and explore restructuring options as needed

Compliance and Reporting

• Ensure all loan activities align with the bank’s policies and regulatory requirements
• Maintain accurate documentation and provide regular reports to management

Benefits and Compensation

• Competitive salary: $90,000 – $130,000 per year
• Bonus opportunities
• 401(k)
• Health and dental insurance, plus a health savings account (HSA)
• Paid time off

Preferred Qualifications

• Bachelor’s degree in finance, agricultural business, business administration, or a related field (or equivalent experience)
• 5+ years of lending experience
• Strong understanding of agriculture, financial analysis, and credit underwriting
• Excellent interpersonal, communication, and customer service skills
• Proficiency in loan origination systems and Microsoft Office
• Strong organizational and problem‑solving abilities

Why Join Harvest Bank?

• Dynamic, rapidly growing trade area in southern Wright County
• Family owned, relationship-focused institution with decision making at the local level
• Multi‑generation commitment to supporting agricultural and small business communities
• Begin to transition an existing portfolio immediately
• Opportunities for career advancement as we continue to grow

Equal Employment Opportunity Statement

Harvest Bank is an Equal Opportunity/Affirmative Action Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual preference or orientation, gender identity, national origin, disability, veteran status and all other protected statuses. Member FDIC.