Commercial/Ag Loan Officer

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.

Qualifications

• 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.

About the Opportunity

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.