Ag Loan Officer

First International Bank and Trust is a family‑owned community bank and one of Prairie Business Magazine's 50 best places to work.

First International Bank & Trust is seeking a motivated Ag Loan Officer to join our lending team. This role is ideal for a mid‑to‑senior level professional with an agricultural background who can confidently manage client relationships while continuing to grow within the organization.

You’ll play a key role in supporting our agricultural customers by providing tailored lending solutions and building strong, lasting relationships.

• Evaluate and authorize agricultural loan applications by gathering required documentation and analyzing creditworthiness.
• Review title reports, surveys, and other documentation to identify potential risks.
• Compile loan packages and negotiate loan structures, including fees, repayment options, and credit terms.
• Ensure customers understand all conditions and terms of their accounts.
• Respond to inquiries regarding payments, payoffs, and loan values.
• Secure collateral and ensure proper documentation and insurance throughout the loan cycle.
• Collaborate with loan associates and credit analysts to maintain accuracy and compliance.
• Monitor delinquent accounts and determine appropriate collection actions.
• Develop new customer relationships and expand existing ones by offering solutions to business and personal financial needs.
• Act as a proactive resource in the field, providing advice to minimize risk and support client success.

• Bachelor’s degree in finance, business, agriculture, or related field preferred.
• Minimum of 2 years of lending experience; agricultural lending experience strongly preferred.
• Equivalent combination of education and experience will be considered.
• Ability to develop and maintain a book of business ($15MM – $20MM).
• Knowledge of agricultural operations and financial needs.
• Commitment to ethical practices and adherence to policies and procedures.

• Strong communication and interpersonal skills.
• Self‑motivated with the ability to work independently and collaboratively.
• Effective problem‑solving and judgment in loan structuring and risk assessment.

• Health, Dental & Vision
• 401K Retirement Plan with Employer Match
• Paid Parental Leave
• Life and Disability Insurance
• Generous PTO and Holiday pay

Equal Opportunity Employer

Department:
Lending |

Location:

Minot, ND