Ag/Commercial Lender

Looking for a role where your expertise makes a real difference? At Citizens First Bank, agricultural lending is rooted in understanding the day-to-day realities of farming operations, long-term plans, and the communities we serve. While this role also supports commercial relationships, the primary focus is partnering with local farmers, agribusinesses, and rural families. As an Agricultural & Commercial Lender, you'll build trusted relationships and contribute to a supportive, community-focused banking culture.

What You'll Do:

• Build and maintain trusted relationships with agricultural customers, agribusinesses, and local commercial clients
• Originate, assist with underwriting, and manage agricultural, commercial, and consumer loans
• Structure and analyze credit requests, working closely with the Credit team to ensure accurate, well-supported credit decisions and policy compliance
• Grow your portfolio through proactive outreach, farm visits, business calls, and referrals
• Collaborate closely with Credit Administration and Loan Support teams to ensure efficient, accurate loan processing and closing
• Monitor portfolio performance, manage renewals, and address credit concerns with a solutions-oriented approach
• Actively participate in community events, agricultural organizations, and local business groups
• Stay current on agricultural lending trends, government-guaranteed programs, and evolving market conditions
• Other duties as needed

What We're Looking For:

• 3+ years of lending experience (agricultural, commercial, or related lending preferred)
• Bachelor's degree or equivalent work experience
• Strong credit analysis and underwriting skills
• Ability to build and maintain long-term customer relationships
• Solid understanding of agricultural operations, cash flow cycles, and collateral structures
• Professional, customer-focused communication and networking skills

Why Citizens First Bank?

• Competitive compensation - Competitive base salary with discretionary year-end bonus
• Outstanding retirement benefits - Up to 9% employer contributions, even before you contribute
• Healthcare support - Bank-paid access to Neighborhood Family Clinic for you and your dependents
• Comprehensive benefits package - Includes a $50,000 bank-paid life insurance policy
• A relationship-driven culture - Join a family-oriented, community-focused bank that values integrity, collaboration, and long-term success

Don't miss this opportunity-apply today and grow your lending career with Citizens First Bank.