Commercial Loan Officer

Oct 18, 2026 1 view

Crossroads Bank Commercial Loan Officer

Key Responsibilities:

.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.

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.

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.

Why Join Crossroads Bank?

At Crossroads Bank, we believe in personal relationships, local decision-making, and helping our communities thrive. As a valued team member, you’ll enjoy a collaborative workplace, opportunities for professional growth, and the chance to make a direct impact on the success of our agricultural and business customers.

Qualifications:

Bachelor’s degree in Agriculture, Business, Finance, or a related field (or equivalent experience).
2+ years of lending experience, preferably in agricultural and/or commercial banking.
Strong understanding of ag operations, crop and livestock production, and rural business challenges.
Excellent communication, relationship-building, and negotiation skills.
Knowledge of banking regulations, loan documentation, and risk management practices.
Ability to work independently and collaboratively in a small, team-oriented environment.
Proficiency in Microsoft Office and loan processing software.

Physical Qualifications:

Skills