Ag Commercial Lending Officer/ Vice President

Location: MN - Owatonna

Develop and monitor loan Clients which meet our lending guidelines, and provide a fair rate of return, while minimizing the risk to the Bank. Additionally, the Lender will serve the customer by analyzing the potential of the client and justifying the risk associated with each credit.



  • Recommend United Prairie Bank products or services when it would serve a customer’s financial need.
  • Actively solicits and develops new business and manages existing relationships according to individual goals for loan growth and fee income while meeting Bank wide goals established by the Executive Management Team.
  • Solicit and Interview loan clients and review loan applications for credit worthiness.
  • Prepare and analyze financial statements and spreads, including adequacy of income and sufficiency of collateral and prepare presentation for loan committee when necessary.
  • Make on-site visits to client’s operations to analyze the management of the business for potential credit risk as well as promoting the Bank and its products.
  • Responsible for maintaining customer loan files according to UP policies and procedures.
  • Monitor loan performance, loan agreements, financial statements and collateral to ensure the quality of the loan.
  • Apply collection practices to minimize risk as appropriate.
  • Manage loan portfolio including customer inquiries, collections, and file maintenance
  • Review customer requests and make decisions accordingly.
  • Grow the deposit products segment. 
  • Required to comply with the SAFE Act requirements; including successful initial and ongoing registration in the Registry if you are licensed MLO.
  • Provide referrals to UPIA Insurance Agency and UPFN Investment Agency.
  • Provide all around customer service to all customers.
  • Represent UP in your community through civic activity, service organizations and/or professional associations.
  • Abide by all policies, procedures and regulations of UP.
  • Any and all other duties as assigned by management.

Job Specifications:

This job reports directly to the Market President. Discussion on work objectives will be held regularly while the majority of the work is done independently with a set sales target, performance objectives and functional accountabilities. 

 Job Qualifications:

  • Four (4) year College degree in Finance, Accounting or Business Management or equivalent experience and/or 
  • Six (6) to Eight (8) years of experience in successful loan portfolio management. Ag lending required and commercial experience preferred.
  • Thorough understanding of accounting practices and the ability to read financial statements and understand complex financial measures such as cash flow and other financial ratios.
  • Occasional day travel may be required for training/meeting purposes.

Salary will be based on qualifications, competitive benefits package included.  Applicant can apply by emailing an introductory letter and resume to:  United Prairie Bank, Human Resources -