First Security Bank & Trust · 3 weeks ago
Senior Ag or Commercial Lender
Charles City, IA
Full-time
Onsite
Senior Level
7+ years expFirst Security Bank & Trust is seeking an experienced Agricultural or Commercial Lender to join their team. This role focuses on managing client relationships, growing a quality loan portfolio, and supporting the financial goals of customers and communities.
BankingFinancial ServicesInsuranceWealth Management
Responsibilities
Responsible for seeking, developing, and procuring loan and deposit opportunities in both new and existing borrower relationships, with a goal of increasing the bank’s overall loan portfolio and improving penetration in the bank’s trade territory
Interview loan applicants to determine their goals and needs and find opportunities and solutions through a “team approach.”
Ensure quality loans by following established underwriting guidelines of the bank and government sponsored programs, credit administration requirements and bank approval process
Manage a loan portfolio in excess of $30MM, with multiple relationships over $1Million
Promote an environment of teamwork by providing guidance and assisting other lending team members, when needed and working in a respectful manner at all times
May be asked to mentor other Lenders
Monitor existing loan portfolio by keeping in contact with customers, ensure their needs are being met, and stay cognizant of developing trends in their business
Manage assigned portfolio proactively with consistent measurement of portfolio health, including timely financial collections, FS analysis and loss mitigation through delinquency and bad debt action planning
Maintain product knowledge of all bank services and cross-sell other bank products by referral to appropriate areas
Attend appropriate lending educational opportunities to stay current with industry trends and other pertinent information
Participate in community activities, industry associations, business events, farm auctions, etc. to increase the bank’s visibility and to enhance new business opportunities
Participate in bank-sponsored events as outlined in financial institution’s “Community Events Program.”
Perform additional duties as they become assigned or apparent
Qualification
Required
Bachelor's degree in business finance, Agriculture, or an equivalent number of years' experience in an agriculture business environment
7 years lending experience
Proven record of customer-focused, critical thinking skills
High level of sales and interpersonal skills in dealing with new prospects, clients, bank staff, and outside vendors
Ability to learn and interpret rules and regulations related to agricultural and commercial lending
Proficient in basic computer skills using Microsoft Office products
Strong organizational skills with ability to prioritize multiple tasks and work under pressure
Effective writing and verbal communication skills
Preferred
Previous responsibility for developing and mentoring less experienced lenders would be beneficial
Company
First Security Bank & Trust
First Security Bank & Trust offers online banking, wealth management, insurance consultancy, investment planning, and financial services.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Heidi Worrall, PHR
Chief Administrative Officer (CAO)
Recent News
24-7 Press Release Newswire
2025-10-28
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