Commercial/Ag Loan Officer
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Constitution Bank
Hillsboro, IL, US
Summary
Develop and manage a portfolio of commercial and agricultural loans through origination, underwriting, and closing. Monitor loan performance and maintain strong client relationships while ensuring regulatory compliance.
Job Description
Job DetailsJob Location: Hillsboro Main Branch - Hillsboro, IL 62049Salary Range: $70,000.00 - $110,000.00 Base+Commission/yearJob Shift: DayConstitution Bank is coming to Bethalto, IL and needing a dedicated Commercial Ag Lender to join the team! The Commercial / Agricultural Loan Officer is responsible for developing and managing a portfolio of commercial and agricultural loans, including originating, underwriting, structuring, and closing loans. This role involves evaluating loan applicants' financial status and creditworthiness, maintaining strong customer relationships, and ensuring compliance with bank policies and regulatory requirements.
Constitution Bank in Bethalto will open Fall 2026. All training will take place in the Hillsboro Main Branch and other surrounding CB locations.
Key Responsibilities:
Develop and manage relationships with commercial and agricultural clients, including farmers and small-to-mid-sized businesses.
Originate, evaluate, structure, and close new commercial and ag loans
Analyze financial statements, cash flows, credit reports, collateral, and market conditions.
Conduct farm visits, site inspections, and borrower interviews to assess business operations and collateral value.
Monitor loan performance, collect updated financial information, and ensure compliance with terms and covenants.
Ensure all loan documentation is complete, accurate, and compliant with internal policies and regulatory requirements.
Work closely with credit analysts, underwriters, and management.
Participate in community and industry events to build business development opportunities and represent the bank’s brand.
Stay informed about local and regional economic conditions, industry trends, and changes in ag and commercial lending regulations.
QualificationsQualifications:
Bachelor's degree in Finance, Agribusiness, Business Administration, or a related field (or equivalent experience).
2+ years of experience in commercial or ag lending, credit analysis, related banking experience, or sales.
Strong understanding of financial statements, credit analysis, and lending
Excellent communication, sales, and customer service skills
Preferred Skills:
Familiarity with local communities / markets
Microsoft Office Tools: Excel, Word, and Outlook
Constitution Bank is more than a bank we’re a neighbor, a partner, and a proud community institution. For over 150 years, we’ve stood alongside the people and businesses of South-Central Illinois, helping them save, grow, and thrive. While our name has evolved over time, most recently from National Bank to Bank of Hillsboro, and now to Constitution Bank our values have never changed.
We remain locally owned, deeply rooted, and personally invested in your success. Whether you’re buying your first home, expanding your farm, launching a business, or planning for the future, we’re here with clarity, commitment, and care. When you bank with Constitution Bank, your dollars stay close to home helping your neighbors build, grow, and succeed. From local farmers and families to entrepreneurs and educators, we’re proud to be the trusted hand behind thousands of local stories. We’re small enough to know you by name and strong enough to offer the full range of modern financial services. That combination of personal touch and professional strength is what sets us apart and always will.
With 12 locations across Alhambra, Carlyle, Edwardsville, Effingham, Greenville, Hamel, Highland, Hillsboro, Mt. Olive, Staunton, Troy and Vandalia you’ll find us wherever community matters most.
We invite you to discover what it means to bank with Constitution Bank, where your story matters, and your success is our signature
Company size
51-200 employees
Industry
Banking
Org type
Privately Held
Headquarters
Hillsboro, Illinois
Constitution Bank is more than a bank we’re a neighbor, a partner, and a proud community institution. For over 150 years, we’ve stood alongside the people and businesses of South-Central Illinois, helping them save, grow, and thrive. While our name has evolved over time, most recently from National Bank to Bank of Hillsboro, and now to Constitution Bank our values have never changed.
We remain locally owned, deeply rooted, and personally invested in your success. Whether you’re buying your first home, expanding your farm, launching a business, or planning for the future, we’re here with clarity, commitment, and care. When you bank with Constitution Bank, your dollars stay close to home helping your neighbors build, grow, and succeed. From local farmers and families to entrepreneurs and educators, we’re proud to be the trusted hand behind thousands of local stories. We’re small enough to know you by name and strong enough to offer the full range of modern financial services. That combination of personal touch and professional strength is what sets us apart and always will.
With 12 locations across Alhambra, Carlyle, Edwardsville, Effingham, Greenville, Hamel, Highland, Hillsboro, Mt. Olive, Staunton, Troy and Vandalia you’ll find us wherever community matters most.
We invite you to discover what it means to bank with Constitution Bank, where your story matters, and your success is our signature
Company size
51-200 employees
Industry
Banking
Org type
Privately Held
Headquarters
Hillsboro, Illinois
