Ag Lender - Early Career

Job Description

Citizens First National Bank is a family-owned and operated community bank located in Storm Lake, Iowa. We believe in hard work, personal responsibility, and building long-term relationships. Just as importantly, we believe family life matters and that a successful career should grow alongside a balanced life.

We are seeking an early-career professional who is interested in building a long-term career in banking and lending, with a focus on agriculture and small business. This role is ideal for someone who enjoys working with people, learning how businesses operate financially, and becoming a trusted resource within the community.

You’ll work closely with experienced lenders and our management team, gaining hands-on experience while developing core banking and credit skills through internal training and professional education. We provide strong support, mentorship, and opportunities to build both local and professional networks.

Starting salary: $50,000–$80,000 , depending on education, experience, and qualifications.
Benefits include: a comprehensive package featuring a 100% employer-funded retirement plan equal to 15% of base salary.

What You’ll Do

• Learn to manage and grow a primarily agricultural and small business loan portfolio, including:
  • Assisting with loan applications and documentation
  • Supporting loan origination activities
  • Performing financial and credit analysis with guidance and mentoring
  • Participating in onsite inspections and loan monitoring
  • Assisting with collection efforts as needed
• Build relationships with farmers, agricultural businesses, and small business customers
• Participate in business development efforts that lead to:
  • Growth in agricultural and business lending
  • Referrals for residential mortgages, consumer loans, deposit accounts, and wealth management services
• Begin with a limited existing loan portfolio and grow it over time
• Learn bank products and services and refer customers to appropriate internal specialists
• Get involved in community activities and events to build visibility and relationships

What We’re Looking For

• A strong work ethic and desire to learn and grow in a professional environment
• Ability to work independently while also collaborating with a team
• Interest in agriculture, business, finance, or community banking
• Strong communication skills, both written and verbal
• Ability to analyze information, learn financial concepts, and communicate clear conclusions
• Attention to detail and commitment to accuracy
• Ability to maintain strict confidentiality
• Experience with Microsoft Excel or willingness to learn; familiarity with Microsoft 365 applications

Why Citizens First National Bank?

• Hands-on training and mentorship from experienced lenders
• Clear path for professional growth and career development
• Strong community focus and relationship-driven culture
• Exceptional retirement benefit fully funded by the bank
• Stable, family-oriented work environment

Company Description

The Citizens First National Bank is a medium-sized family-owned and run community bank located in Storm Lake, Iowa. Our bank was chartered in 1902 and is still managed by members of the founding family.

We value hard work and personal responsibility. We believe that family life is as important as work life. We believe that good business is based on creating sincere and lasting relationships for the benefit of the organization, our customers and our community at large.

We are looking for talented, hard-working and self-motivated individuals to join our team. If you think you are ready to be a part of an exciting team, then we encourage you to continue with this applicant friendly, online job application!

Citizens 1st National Bank is an Equal Opportunity Employer that recruits and hires qualified candidates without regard to race, religion, sex, sexual orientation, gender identity, age, national origin, ancestry, citizenship, disability, or veteran status.

Benefits

• Health Insurance
• Dental Insurance
• Vision Insurance
• Life Insurance
• Long-term Disability Insurance
• Short-term Disability Insurance
• 100% Employer Funded Profit Sharing
• Paid Holidays
• Paid Vacation
• Paid Sick Time
• Paid Jury Duty
• Bereavement Leave