Vice President/Senior Lender

BankIn Minnesota; Minnesota; On-site; USD 100,000 - 130,000; Full time

Job summary

BankIn Minnesota is seeking a Vice President/Senior Lender to provide strategic leadership for its lending function, ensuring a high-quality, profitable loan portfolio. This role oversees lending operations, develops lending staff, and serves as part of the senior leadership team.

The ideal candidate will have at least ten years of progressive lending experience with strong skills in agricultural lending. Responsibilities include managing loans, developing lending policies, and overseeing risk management strategies to achieve the Bank's objectives.

Qualifications

• Minimum ten years of progressive lending experience, including significant agricultural lending.
• Strong knowledge of credit administration and regulatory compliance.
• Proven leadership and analytical skills.

Responsibilities

• Develop and maintain lending policies to support credit quality and profitability.
• Monitor economic trends and recommend risk management strategies.
• Manage agricultural and commercial loan relationships and conduct credit reviews.

Skills

Credit administration

Agricultural lending

Commercial lending

Leadership

Analytical skills

Risk management

Communication

Relationship management

Decision-making

Education

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

Graduate School of Banking (desired)

Job description

Farmers & Merchants State Bank

Location: Springfield, Minnesota

Job Title: Vice President/Senior Lender

Overview: The Vice President of Loans provides strategic leadership for the Bank's lending function, ensuring a high-quality, profitable loan portfolio while balancing regulatory requirements, shareholder expectations, and customer needs. This role oversees lending operations, develops lending staff, and serves as a member of the Bank's senior leadership team.

Responsibilities: The Vice President of Loans develops and maintains lending policies that support strong credit quality, profitability, regulatory compliance, and long-term growth. This position monitors economic, agricultural, and commercial trends and recommends lending and risk management strategies that align with the Bank's objectives. Working closely with senior leadership and the Asset Liability Committee (ALCO), the Vice President helps manage portfolio composition and balance sheet goals, establishes loan pricing strategies, evaluates funding sources, oversees the Allowance for Credit Losses (ACL) process, and communicates significant lending initiatives to leadership and the Board of Directors. The position directs all lending activities and ensures compliance with Bank policies, procedures, and regulatory requirements. Responsibilities include managing agricultural and commercial loan relationships, identifying new business opportunities, conducting customer visits and annual credit reviews, monitoring portfolio performance, approving credit requests within established authority limits, participating in Loan Committee activities, and preparing reports and recommendations for senior leadership and the Board. As a leader within the organization, the Vice President coaches and develops lending staff to promote high performance, sound credit practices, and adherence to the Bank's values. The role provides guidance on credit decisions, portfolio management, agricultural and commercial lending practices, and risk assessment while supporting the recruitment, onboarding, training, and retention of lending personnel. The Vice President serves as an active member of the senior leadership team, contributing to strategic planning and organizational initiatives. The position regularly presents lending, economic, and strategic information to the Board and leadership team and represents the Bank through participation in community organizations, agricultural associations, business groups, and industry events.

Requirements: A bachelor's degree in Business, Finance, Economics, Agriculture, or a related field is preferred, or an equivalent combination of education and experience. Graduate School of Banking completion or a willingness to pursue completion is desired. Candidates should possess a minimum of ten years of progressive lending experience, including significant agricultural lending and leadership responsibilities. Strong knowledge of credit administration, agricultural and commercial lending, portfolio management, regulatory compliance, and risk management is required, along with proven leadership, communication, relationship management, analytical, and decision-making skills. For the right candidate, this position provides a clear succession path to Senior Vice President of Loans, contingent upon demonstrated performance, leadership effectiveness and organizational needs.

Deadline: 08/31/2026