Ag & Business Banker
Job Type


Cresco Bank & TrustLeadership & Service to Others * Growth Mindset * Teamwork * Have Fun!
Our Cresco Ag & Business Banker department is growing, and we are adding a full-time Ag & Business Banker to join our team! 
As an Ag & Business Banker, you will examine, evaluate, and authorize/recommend the approval of customer applications for loans. You would also be responsible for a loan portfolio of $15mm-$25mm. A successful candidate will be comfortable with sales and generating new loan volume for the bank. This position is responsible for helping the bank attract new customers and deepen relationships with existing customers through community involvement, and participation in the bank's customer service and sales/referral efforts. 
Decorah Bank & Trust offers an excellent benefits package including medical, dental, life insurance, short-term and long-term disability insurance, generous paid time off, holiday pay, and a fantastic retirement plan (401k and Employee Stock Ownership Plan (ESOP)). 
Essential Duties & Responsibilities:

Commercial/Ag Loan Portfolio: 60%

  • Responsible for generating commercial/Ag loans within guidelines set by bank policy and growth targets.
  • Responsible for managing a commercial/Ag loan portfolio of assigned loans. This includes credit quality, credit approval, operations process, and the profitability of the portfolio.
  • Responsible for the credit quality of the assigned portfolio. This includes fairly grading credits and collection of problem loans.

Sales: 20%

  • Responsible for deepening relationships with existing customers by understanding the full account relationship and making sales calls to solicit additional product sales.
  • Must help attract new customer to the bank through participation in the bank's sales calling efforts.
  • Must help cross-sell to other (non-lending) bank products and services such as DDA, COD, Trust, Investment and Insurance.
  • Sells and services crop insurance

Community Involvement: 10%

  • Actively involved in community and civic organizations as appropriate to represent the bank in the community.
  • Actively involved in the agricultural community to understand trends and current conditions in the field.

Miscellaneous: 10%

  • This position may be requested to support other functions within the bank outside the normal scope of duties.

  • Must understand all aspects of commercial/Ag lending and a basic understanding of lending within a community bank environment.
  • Must understand the concepts of sales as it pertains to selling financial service products. Must be able to develop prospects and determine optimal ways to sell to those potential customers.
  • Must be able to understand key issues involved with negotiating. Must be able to listen and approach negotiation from a "win-win" standpoint.
  • Must embrace change and see it as an opportunity. Must be willing to express and support management's ideas to affected staff.


To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience:   

Bachelor's degree (B.A. or B.S.) from four-year college or university and three to five years related experience preferred.

Certificates, Licenses, Registrations: 

Credit Life and Crop Insurance License

Language Skills:   

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Mathematical Skills:  

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

Reasoning Ability:  

Ability to solve practical problems and deal with a variety of concrete variables. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Physical Demands: 

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Work Environment: 

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is occasionally exposed to outside weather conditions. The noise level in the work environment is usually quiet.