Job Title: Ag/Commercial Loan Officer & Branch Manager

Location: Cottonwood, Minnesota

Employment Type: Full-Time

Overview

Our client, a well-established community bank in Cottonwood, Minnesota, is seeking a highly motivated Ag/Commercial Loan Officer & Branch Manager to lead branch operations while managing and growing a high-quality loan portfolio. This individual will be responsible for building strong customer relationships, supporting local agricultural and commercial businesses, and ensuring the branch delivers exceptional service and performance.

Key Responsibilities:

Lending & Portfolio Management

• Originate, analyze, and service agricultural and commercial loans in accordance with bank policies and regulatory guidelines.
• Conduct thorough credit analysis, prepare loan presentations, and structure financing solutions that meet client needs.
• Monitor existing loan relationships to ensure credit quality, timely renewals, and risk management.
• Develop new business opportunities through community engagement, referrals, and proactive outreach.
• Maintain a deep understanding of local ag and commercial markets, including commodity trends, farm operations, and business financials.

Branch Management & Leadership

• Oversee daily branch operations, ensuring compliance, accuracy, and customer service excellence.
• Provide leadership, coaching, and support to branch staff to achieve performance and sales goals.
• Manage branch budgets, operational workflows, and risk mitigation practices.
• Ensure the branch maintains a welcoming, efficient, and customer-focused environment.

Community Engagement & Relationship Building

• Represent the bank in community organizations, events, and local business activities.
• Build long-lasting relationships with farmers, business owners, and community members.
• Act as a trusted advisor by providing financial expertise and tailored solutions.

Qualifications

• 3+ years of experience in agricultural and/or commercial lending required.
• Prior branch management or supervisory experience strongly preferred.
• Strong credit analysis and loan structuring skills.
• Knowledge of agriculture, farm financials, and local rural markets.
• Excellent communication, relationship-building, and decision-making abilities.
• Ability to work independently while leading a high-performing team.
• Bachelor’s degree in finance, business, agriculture, or related field preferred.

Compensation & Benefits

• Competitive salary based on experience.
• Incentive/bonus opportunities tied to portfolio performance and branch results.
• Comprehensive benefits package, including health, retirement, and paid time off.
• Opportunities for career growth within a respected regional financial institution.