Agricultural Loan Officer

About Iowa Falls State Bank 

Iowa Falls State Bank is a community bank that takes pride in developing deep life-long relationships based on thoughtful, reliable and confidential service. The bank is locally owned by community and employee investors, strong and consistent financial performance, beautiful and historically renovated facilities, and a progressive culture. The management team is experienced, dynamic, and works collaboratively toward strategic bank goals. 

Iowa Falls State Bank supports employees in maintaining a healthy balance between their professional responsibilities and personal life by providing employees with paid time off and paid federal holidays. Employees of Iowa Falls State Bank are treated respectfully and as part of a family.

Iowa Falls State Bank is an Equal Opportunity Employer. 

Position Summary

Iowa Falls State Bank is seeking a growth-minded Agricultural Loan Officer who pairs a strong sales track record with deep ties to rural communities and a solid grasp of agricultural operations. You’ll build and manage a high-quality ag loan portfolio while building trusted relationships with producers, ag businesses, and rural landowners.  

Position Details

• Drive portfolio growth: Proactively source, develop, and close new ag lending opportunities through field visits, farm calls, agribusiness events, and referral networks. 
• Advise producers: Structure credit solutions for operating lines, equipment, livestock, real estate, and facility improvements tailored to farm cycles and risk profiles. 
• Underwrite responsibility: Gather financials, analyze repayment capacity, collateral, and market conditions; prepare credit memos; and present recommendations. 
• Manage Relationships: Maintain ongoing contact with borrowers, monitor loan performance, and support renewals, modifications, and cross-sell opportunities. 
• Engage the community: Represent the bank at local ag events, FFA/4-H, extension meetings, and commodity groups to deepen brand presence and trust. 
• Ensure compliance: Adhere to policy, regulatory requirements, and prudent credit administration. 

Qualifications

Sales of Ag-Related Products (Required)

• Proven success generating and closing business in ag-related products or services (e.g., seed, feed, equipment, inputs, precision ag, or insurance). 
• Demonstrated pipeline management, territory development, and consistent quota attainment. 

Knowledge of Agriculture (Required)

• Practical understanding of crop and livestock operations, seasonality, input costs, yields, and risk management. 
• Ability to speak the language of producers and tailor solutions to farm realities.

Connection to Rural Iowa (Strongly Preferred)

• Established presence, network, or background in rural Iowa communities.
• Comfortable with on-farm visits, ag events, and community engagement across our footprint. 

Finance and Banking (Preferred)

• Experience with credit analysis, underwriting, and ag lending products is a plus. 
• Familiarity with financial statements, cash flow analysis, collateral evaluation, and loan documentation. 

Skills & Traits

• Relationship-first, highly self motivated, and results driven. 
• Excellent communicator with strong listening and problem-solving skills. 
• Organized, detail-oriented, and comfortable spending more time out of the bank meeting with agricultural clients than behind a desk.  
• Tech-comfortable (CRM, loan origination systems, productivity tools). 

Education & Experience

• Bachelor’s degree preferred (Agribusiness, Ag Economics, Business, Finance, or related) or equivalent experience. 
• 3-7 years in agricultural product sales or agribusiness development required; lending experience a plus. 

What Success Looks Like (12 months)

• Builds a robust pipeline and meets or exceeds new loan growth targets. 
• Earns trust with producers by providing timely, practical guidance and responsive service. 
• Maintains high-quality credit standards and on-time renewals. 
• Becomes a visible, engaged participant in the rural Iowa ag community. 

Compensation & Benefits 

• Competitive base salary plus performance incentive.
• Comprehensive benefits package (health, dental, vision, 401(k) with match, paid time off, short-term and long-term disability, life insurance)
• Bank provided vehicle
• Professional development support (ag lending certifications, training).