Loan Officer

The Agency; Twin Falls (ID); Presencial; USD 70.000 - 90.000; Jornada completa

Descripción de la vacante

The Agency is seeking a Loan Officer to develop and manage a commercial and agricultural loan portfolio across Idaho. You will build lasting relationships with farmers, ranchers, rural landowners, and agribusinesses while handling the full lending lifecycle from development to closing and ongoing portfolio management.

Ideal candidates balance business development with sound credit analysis and will contribute to the organization’s local decision-making, collaboration, and community impact across

Formación

• Three or more years of commercial, agricultural, or real estate lending experience.
• Knowledge of agricultural production, rural lending, and agribusiness financing.
• Strong financial statement analysis, credit underwriting, and collateral evaluation.
• Proven relationship-building, business development, and customer service skills.
• Excellent communication, analytical, organizational, and problem-solving abilities.
• Valid driver's license and ability to travel throughout Idaho.

Responsabilidades

• Develop and grow agricultural, commercial, and rural real estate lending relationships.
• Build relationships with farmers, ranchers, rural landowners, and agricultural businesses to identify financing opportunities and provide exceptional customer service.
• Analyze financial statements, cash flow, collateral, and other credit information to evaluate creditworthiness and prepare sound lending recommendations.
• Structure, originate, underwrite, or approve loans within delegated authority, or recommend loans for approval while maintaining prudent credit standards.
• Manage the full loan lifecycle—closings, servicing, renewals, extensions, additional advances, and portfolio maintenance.
• Monitor portfolio performance, identify emerging credit risks, and proactively manage asset quality.
• Coordinate loan closings with accurate documentation and regulatory compliance.
• Represent the organization through participation in agricultural organizations, industry associations, community events, and local networking opportunities.
• Stay current on agricultural markets, lending regulations, and industry trends affecting customers and the lending portfolio.
• Maintain compliance with internal lending policies, information security standards, and regulatory requirements.
• Perform additional duties and special projects as assigned.

Conocimientos

Relationship-building

Business development

Customer service

Communication

Analytical

Organizational

Problem-solving

Educación

Bachelor's degree in Business, Finance, Agricultural Economics, or a related field

Herramientas

Microsoft Office

Lending software systems

Descripción del empleo

A respected agricultural lending institution is seeking a relationship-focused Loan Officer to develop and manage a commercial and agricultural loan portfolio while building lasting relationships with farmers, ranchers, rural landowners, and agribusinesses throughout Idaho. This individual will manage the full lending lifecycle—from business development and underwriting through closing and ongoing portfolio management—while delivering financing solutions that support customers' operational and long-term goals.

This opportunity is ideal for a lender who enjoys balancing business development with sound credit analysis while making a meaningful impact in rural communities. The organization offers local decision-making, a collaborative culture, and the opportunity to build long-term relationships within Idaho's agricultural industry.

Key Responsibilities

• Develop new agricultural, commercial, and rural real estate lending relationships while managing and growing an existing loan portfolio.
• Build strong relationships with farmers, ranchers, rural landowners, and agricultural businesses to identify financing opportunities and provide exceptional customer service.
• Analyze financial statements, cash flow, collateral, and other credit information to evaluate creditworthiness and prepare sound lending recommendations.
• Structure, originate, underwrite, approve within delegated authority, or recommend loans for approval while maintaining prudent credit standards.
• Manage the full loan lifecycle, including loan closings, servicing, renewals, extensions, additional advances, and portfolio maintenance.
• Monitor portfolio performance, identify emerging credit risks, and proactively manage asset quality.
• Coordinate loan closings while ensuring documentation is accurate, complete, and compliant with organizational policies and regulatory requirements.
• Represent the organization through participation in agricultural organizations, industry associations, community events, and local networking opportunities.
• Stay current on agricultural markets, lending regulations, and industry trends affecting customers and the lending portfolio.
• Maintain compliance with internal lending policies, information security standards, and regulatory requirements.
• Perform additional duties and special projects as assigned.

Required Qualifications

• Bachelor's degree in Business, Finance, Agricultural Economics, or a related field.
• Three or more years of commercial, agricultural, or real estate lending experience within banking or financial services.
• Knowledge of agricultural production, rural lending, and the financing needs of farmers, ranchers, and agribusinesses.
• Strong understanding of financial statement analysis, commercial credit underwriting, lending regulations, collateral evaluation, and credit administration.
• Proven relationship-building, business development, and customer service skills.
• Excellent communication, analytical, organizational, and problem-solving abilities.
• Ability to manage multiple priorities while working independently.
• Proficiency with Microsoft Office and the ability to quickly learn lending software systems.
• Valid driver's license with an acceptable driving record and the ability to travel throughout Idaho as needed.

Preferred Qualifications

• Previous experience managing a commercial or agricultural loan portfolio.
• Established relationships within Idaho's agricultural community.
• Experience working with commercial real estate and rural real estate financing.
• Strong understanding of agricultural lending markets and rural business operations.

Why This Opportunity?

This is an excellent opportunity for a relationship-driven lender looking to build a rewarding career serving Idaho's agricultural communities. The Loan Officer will have the opportunity to develop long-term customer relationships while managing a diverse commercial and agricultural loan portfolio. The organization offers local decision-making, strong community involvement, competitive compensation, annual incentive opportunities, and an outstanding benefits package designed to support both your professional and personal success.

Equal Employment Opportunity Statement

The Agency Recruiting is an Equal Employment Opportunity (EEO) employer and considers all qualified applicants without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other characteristic protected under applicable federal, state, or local law.