Loan Officer

Position Overview

A respected agricultural lending institution is seeking a relationship-focused Loan Officer to develop and manage a commercial and agricultural loan portfolio while building lasting relationships with farmers, ranchers, rural landowners, and agribusinesses throughout Idaho. This individual will manage the full lending lifecycle—from business development and underwriting through closing and ongoing portfolio management—while delivering financing solutions that support customers' operational and long-term goals.

This opportunity is ideal for a lender who enjoys balancing business development with sound credit analysis while making a meaningful impact in rural communities. The organization offers local decision-making, a collaborative culture, and the opportunity to build long-term relationships within Idaho's agricultural industry.

Key Responsibilities

• Develop new agricultural, commercial, and rural real estate lending relationships while managing and growing an existing loan portfolio.
• Build strong relationships with farmers, ranchers, rural landowners, and agricultural businesses to identify financing opportunities and provide exceptional customer service.
• Analyze financial statements, cash flow, collateral, and other credit information to evaluate creditworthiness and prepare sound lending recommendations.
• Structure, originate, underwrite, approve within delegated authority, or recommend loans for approval while maintaining prudent credit standards.
• Manage the full loan lifecycle, including loan closings, servicing, renewals, extensions, additional advances, and portfolio maintenance.
• Monitor portfolio performance, identify emerging credit risks, and proactively manage asset quality.
• Coordinate loan closings while ensuring documentation is accurate, complete, and compliant with organizational policies and regulatory requirements.
• Represent the organization through participation in agricultural organizations, industry associations, community events, and local networking opportunities.
• Stay current on agricultural markets, lending regulations, and industry trends affecting customers and the lending portfolio.
• Maintain compliance with internal lending policies, information security standards, and regulatory requirements.
• Perform additional duties and special projects as assigned.

Required Qualifications

• Bachelor's degree in Business, Finance, Agricultural Economics, or a related field.
• Three or more years of commercial, agricultural, or real estate lending experience within banking or financial services.
• Knowledge of agricultural production, rural lending, and the financing needs of farmers, ranchers, and agribusinesses.
• Strong understanding of financial statement analysis, commercial credit underwriting, lending regulations, collateral evaluation, and credit administration.
• Proven relationship-building, business development, and customer service skills.
• Excellent communication, analytical, organizational, and problem-solving abilities.
• Ability to manage multiple priorities while working independently.
• Proficiency with Microsoft Office and the ability to quickly learn lending software systems.
• Valid driver's license with an acceptable driving record and the ability to travel throughout Idaho as needed.

Preferred Qualifications

• Previous experience managing a commercial or agricultural loan portfolio.
• Established relationships within Idaho's agricultural community.
• Experience working with commercial real estate and rural real estate financing.
• Strong understanding of agricultural lending markets and rural business operations.

Why This Opportunity?

This is an excellent opportunity for a relationship-driven lender looking to build a rewarding career serving Idaho's agricultural communities. The Loan Officer will have the opportunity to develop long-term customer relationships while managing a diverse commercial and agricultural loan portfolio. The organization offers local decision-making, strong community involvement, competitive compensation, annual incentive opportunities, and an outstanding benefits package designed to support both your professional and personal success.

For immediate consideration, please contact Ciara Benson at Ciara.Benson@TheAgencyRecruiting.com.

About The Agency

The Agency Recruiting is a specialized search firm connecting high-performing talent with growth-focused organizations across a wide range of industries nationwide. Through strategic and confidential partnerships, we help companies secure the leadership and professional talent needed to drive long-term success. All career opportunities listed on The Agency Recruiting's official website and LinkedIn page are verified and credible. Any postings appearing on third-party job boards are not validated by The Agency Recruiting.

Equal Employment Opportunity Statement

The Agency Recruiting is an Equal Employment Opportunity (EEO) employer and considers all qualified applicants without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other characteristic protected under applicable federal, state, or local law.