Commercial/Agricultural Loan Officer

 Crossroads Bank is seeking a dedicated and relationship-focused Commercial and Agricultural Loan Officer to serve as a trusted partner for local farmers, ranchers, and business owners. In this role, you’ll develop strong personal relationships with clients, understand their financial needs, and provide lending solutions that support growth and long-term success. As part of a small and collaborative team, you’ll also work closely with internal staff to ensure smooth loan processes and exceptional customer service.

 Key Responsibilities:

Client Relationship Management:

• Build and maintain strong, trust-based relationships with agricultural producers, business owners, and community leaders.
• Conduct regular client meetings and on-site visits to understand operational needs, financial goals, and evolving challenges.
• Act as a trusted advisor and problem-solver, offering strategic advice and tailored solutions.
• Serve as a liaison between lending and other departments to ensure alignment on client strategy and service delivery.

Business Development & Community Engagement:

• Proactively identify and pursue new loan and deposit opportunities through regular calling on prospective and existing agricultural and commercial clients.
• Develop and execute a structured calling plan to build a strong pipeline of qualified prospects.
• Represent the bank at local agricultural events, business gatherings, and community activities.
• Build partnerships with centers of influence such as accountants, attorneys, farm advisors, and real estate professionals to generate referrals.
• Promote the bank’s commitment to community development and support for local industry.

Loan Origination and Servicing:

• Analyze financial statements, credit history, collateral, and other relevant data to assess creditworthiness.
• Structure, underwrite, and present loan requests for approval in accordance with bank policy and regulatory guidelines.
• Monitor existing loan relationships, including managing delinquent accounts, annual reviews, renewals, and risk assessments.

Internal Collaboration:

• Coordinate with credit analysts, loan operations, and management to ensure timely and accurate loan processing.
• Participate in loan committee meetings (as needed) and contribute to lending decisions with sound judgment.
• Serve as a resource to other departments on agricultural and commercial lending matters.
• Identify and recommend appropriate bank products and services, such as treasury management, business & personal deposit accounts, merchant services, and retail/residential financing.
• Partner with all areas/departments of the bank and leverage internal tools and customer insights to deliver comprehensive financial solutions.