Junior Ag, Commercial Lender

Hy-Vee, Inc.

Junior lender analyzing agricultural and commercial credit for Midwest Heritage community bank. Building lending relationships and supporting loan growth, underwriting, and risk management.

Posted 8/20/2026full-timeCoon Rapids • Iowa • 🇺🇸 United StatesJuniorWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in agricultural and commercial lending, including credit analysis, risk management, and relationship development. Proficient in financial data analysis and compliance with lending regulations while achieving production goals.

Highest-signal resume keywords

Agricultural LendingCommercial LendingCredit AnalysisRisk ManagementFinancial Data Analysis

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Credit UnderwritingLoan StructuringFinancial Statement AnalysisRisk Rating AssessmentLoan DocumentationMicrosoft ExcelLoan Production GoalsRegulatory ComplianceCredit Risk IdentificationMarket Trend Analysis

Soft Skills

Interpersonal CommunicationSales SkillsNegotiation SkillsTeam CollaborationDecision-Making

Tools & Technologies

Microsoft OfficeTickler System

Industry Keywords

Lending PrinciplesFinancial ServicesEconomic FactorsCivic OrganizationsLoan Operations

About the role

Key responsibilities & impact

Prepare for progression into a full Ag/Commercial Lender role
Split time approximately 50/50 between credit analysis and relationship development
Meet or exceed loan, fee income, and deposit production goals while managing risk and complying with policies
Prepare and present basic to moderately complex credit write-ups, including risk summaries, loan structure recommendations, policy exception identification, and loan rating assessments
Build community relationships through professional and civic organizations
Collaborate across deposit, mortgage, and insurance business lines to provide holistic financial services
Partner with Loan Operations to ensure timely and accurate documentation and minimize technical exceptions
Assist with development and marketing of Ag/Commercial loan programs by monitoring industries, market trends, and economic factors
Collect and analyze financial data, including financial statements, tax returns, cash flows, projections, risk ratings, and collateral
Evaluate creditworthiness, repayment capacity, collateral, loan relationships, and problem credits
Identify credit risks and recommend mitigation actions
Provide insights on industry trends, local economic factors, and related developments to improve credit decisions and risk management
Maintain accurate credit documentation in the tickler system
Support special projects and initiatives directed by the Senior Lender or Senior Credit Officer
Assist in imaging and maintaining the bank’s tickler system
Perform other job-related duties and special projects as assigned

Requirements

What you’ll need

Bachelor’s degree in Finance, Business, or a related field
Minimum of 2 years of experience in agricultural and/or commercial lending or credit analysis
Valid driver’s license required; must meet criteria for use of a company vehicle
Proficiency in Microsoft Office, with advanced skills in Excel
Strong analytical, underwriting, and decision-making capabilities
In-depth knowledge of lending principles, regulations, credit analysis, and risk management practices
Effective sales and negotiation skills
Exceptional interpersonal, verbal, and written communication abilities
Ability to build and maintain strong internal and external relationships
Awareness of regulatory, legislative, and economic changes affecting lending
Adherence to applicable federal and state regulations
Ability to produce high-quality work within deadlines
Ability to collaborate effectively across departments and teams
Ability to work independently and as part of a team
Ability to perform required physical activities, including sitting for long periods, talking, hearing, and repetitive motions
Ability to complete required pre-employment credit and criminal screening if presented with a conditional offer

Benefits

Comp & perks

Direct impact on business success and personal/professional growth
Benefits of larger organization, Hy-Vee
Employee-owned company environment
Pre-employment screening includes credit and criminal checks as a condition of a conditional offer