Commercial/Ag Loan Officer

Company Description Farmers & Merchants Bank of Ashland is a full-service, community-focused bank that has served the Ashland area for over 140 years. Locally owned and operated, the bank is committed to building long-term relationships with individuals, families, and businesses. Team members work in a close-knit environment where decisions are made locally and customer needs are prioritized. The bank’s longstanding presence reflects its stability, focus on personalized service, and dedication to supporting the local economy.

Farmers and Merchants Bank is seeking an experienced and relationship-focused Commercial Loan Officer to join our lending team. This position is responsible for originating, underwriting, servicing, and managing commercial and agricultural loan relationships in a professional, accurate, and customer-centered manner.

The successful candidate will work closely with business and agricultural customers to understand their financing needs, analyze financial information, structure appropriate credit solutions, and maintain a high-quality loan portfolio. This role also supports deposit growth, portfolio monitoring, loan servicing, collections, and compliance with Bank lending policies and applicable state and federal regulations.

·        Bachelor’s degree in Finance, Business, Economics, Accounting, or a related field preferred.

·        Three to five years of banking, commercial lending, credit analysis, or related experience required.

·        Strong knowledge of financial statement analysis, tax return analysis, loan structuring, collateral evaluation, and credit risk management.

·        Knowledge of agricultural, commercial, construction, real estate, and consumer loan processing preferred.

·        Understanding of applicable lending regulations, compliance requirements, and Bank lending policies.

·        Excellent customer service, communication, organization, and relationship-building skills.

·        Self-directed, motivated, detail-oriented, and able to manage multiple priorities with professionalism and accuracy.

This is an excellent opportunity for a lending professional who enjoys building long-term customer relationships, supporting local businesses and agricultural producers, and contributing to the continued growth and success of a community-focused bank.