Ag/Commercial Loan Officer

Fidelity Bank & Trust is seeking a relationship-focused Agricultural/Commercial Lender to serve customers throughout Keokuk County and surrounding areas. This position will develop and manage agricultural and commercial loan relationships while also assisting customers with consumer lending needs.

The ideal candidate understands the importance of local relationships, sound credit decisions, and personalized service. You’ll work directly with business owners, ag customers, and individuals to provide financing solutions that support their goals, strengthen our communities and Make Hometown Lives Better.

Key Responsibilities

• Develop and manage a portfolio of commercial, agricultural, and consumer loans.
• Build new customer relationships through community involvement, networking, referrals, and business development.
• Meet with customers to understand their financial needs, operations, and long-term goals.
• Structure, analyze, and recommend appropriate lending solutions.
• Review financial statements, tax returns, cash flows, credit reports, collateral, and repayment capacity.
• Assist customers with consumer loans, including vehicle, personal, home equity, and other secured or unsecured financing.
• Monitor existing loan relationships and maintain complete, accurate credit documentation.
• Identify opportunities to connect customers with deposit, treasury management, and other Bank services.
• Maintain knowledge of agricultural markets, local businesses, and economic conditions.
• Manage lending relationships in accordance with Bank policies and regulatory requirements.
• Partner with credit, loan administration, retail banking, and other departments to deliver an exceptional customer experience.

Why Fidelity Bank & Trust?

At Fidelity Bank & Trust, relationships come first. We combine the resources of a growing organization with the responsiveness and personal service of a community bank.

Employees enjoy:

• Competitive compensation and a comprehensive benefits package.
• Incredible retirement benefit.
• Opportunities for professional development and career growth.
• A supportive, team-oriented work environment.
• Local decision-making and strong operational support.
• The opportunity to positively impact local businesses, farms, individuals, and communities.

If you are an experienced lender who enjoys building relationships, finding practical solutions, and helping customers succeed, we invite you to apply.

Join Fidelity Bank & Trust and help us continue Making Hometown Lives Better.

Qualifications

• Bachelor’s degree in finance, accounting, agricultural business, business administration, or a related field preferred.
• Agricultural or commercial lending experience strongly preferred.
• Consumer lending experience is beneficial.
• Knowledge of credit analysis, loan structuring, financial statements, and cash-flow analysis.
• Strong relationship-building, communication, and business-development skills.
• Sound judgment and the ability to balance customer needs with credit quality.
• Familiarity with the Tri-State agricultural and business community is preferred.
• Ability to work independently while contributing to a collaborative team.
• Valid driver’s license and the ability to travel throughout the market area.

Fidelity Bank & Trust is an Equal Opportunity Employer.