Commercial Lender Job at The Agency, Mason City, IA

  • The Agency
  • Mason City, IA

Job Description

Job Description

A community-focused financial institution is seeking a VP Commercial Lender to support continued growth. The organization has built a reputation for responsive decision-making, disciplined credit practices, and long-standing partnerships with businesses across its markets. This opportunity offers portfolio ownership, direct client engagement, and the ability to contribute to meaningful loan growth within a stable and collaborative banking environment.

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The VP Commercial Lender will focus on developing new business relationships, structuring customized credit solutions, and managing an existing portfolio while maintaining strong asset quality.

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Key Responsibilities:

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  • Develop and manage a portfolio of commercial and middle-market lending relationships
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  • Originate commercial and industrial (C&I) and commercial real estate loan opportunities
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  • Structure and negotiate credit facilities, including lines of credit, term loans, and real estate financing
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  • Analyze financial statements, tax returns, and cash flow projections to assess credit risk
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  • Prepare and present loan packages and recommendations to the loan committee
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  • Monitor portfolio performance to ensure strong asset quality and regulatory compliance
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  • Cross-sell deposit and treasury management services to strengthen client relationships
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  • Participate in community engagement and business development activities
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  • Maintain consistent communication with clients regarding financing needs and opportunities
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Required Qualifications:

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  • At least 5 years of commercial and ag lending experience
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  • Demonstrated success in business development and portfolio growth
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  • Strong financial analysis and credit underwriting expertise
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  • Experience with C&I and commercial real estate lending structures
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  • Solid understanding of regulatory compliance and lending policies
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  • Strong communication, negotiation, and relationship-building skills
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  • Established local business network preferred
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  • Bachelor’s degree in Finance, Business, or related field preferred
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This is a strong opportunity for a commercially driven financial professional seeking portfolio ownership, local market impact, and long-term career growth within a respected institution. For immediate consideration, please contact Allie Bradsky directly.

Job Tags

Local area, Immediate start

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