VP AG/Commercial Lending

Job Description

Job Description

We are looking for an experienced agricultural and commercial lending professional to grow client relationships and expand loan and deposit business for a growing commercial bank in southwest Minnesota. This role focuses on developing new business, advising clients on financing solutions, and managing a portfolio with sound credit judgment and disciplined pricing. The ideal candidate brings ag industry knowledge, consultative sales ability, and a proven record of building long-term relationships within the agriculture and business community.

Responsibilities:

• Develop new lending and deposit opportunities by building relationships with agricultural businesses, commercial clients, and referral sources across the market.

• Create tailored financing strategies by assessing client goals, identifying needs, and presenting lending solutions that align with both client objectives and bank expectations.

• Lead the full business development cycle, including market outreach, meeting preparation, discovery conversations, proposal development, negotiation, and closing.

• Evaluate credit requests to confirm appropriate structure, purpose, risk profile, and pricing in accordance with established lending standards.

• Oversee an assigned portfolio by maintaining strong client contact, reviewing performance, and ensuring ongoing adherence to credit quality expectations.

• Expand existing relationships through cross-functional coordination and partner referrals that deepen client engagement and increase account value.

• Monitor agricultural market conditions, including commodity trends, land values, agronomy factors, and borrower financial performance, to support risk assessment and client advisory efforts.

• Represent the organization in the local agriculture and business community through industry events, networking activities, and volunteer involvement to strengthen market presence.

• Bachelor’s degree in finance, agriculture, business, or a related field preferred; equivalent relevant experience may be considered in place of formal education.

• At least 5 years of experience in commercial agricultural business with a strong emphasis on sales and relationship management.

• Demonstrated success in originating business while consistently meeting or exceeding production goals.

• Basic knowledge of commercial credit analysis, loan structuring, pricing, and portfolio risk management.

• Ability to coordinate internal partners and resources effectively to deliver a seamless, client-focused banking experience.

• Excellent written and verbal communication skills with the ability to build trust and influence decision-making.

• Advanced negotiation, financial analysis, and business development skills within an agricultural finance environment.