Welcome to F&M

Farmers & Merchants State Bank has been locally owned and operated within our community since 1908. We seek to help farmers, families and rural businesses succeed by providing innovative financial solutions at an exceptional level of service. We pride ourselves on always finding and financing our customers futures, creating solutions our competitors can’t, or won’t.

Our Vision & Values

We want to be one of the reasons small towns, farms, families, and businesses are thriving. We’re friendly, honest, hardworking, innovative and community-minded.

Our Benefits

At F&M, we’re more than just co-workers, we’re family. We offer a great culture, and an attractive benefits package including:

• Competitive Pay
• PTO
• Health, Vision & Dental Insurance
• Volunteer Time Off
• 401K Match
• Logoed Apparel Stipend & More

Our Locations

We have three locations in Pierz, Sauk Rapids and Eden Valley, MN.

Join our Family. Apply today!

We don’t have any openings right now, but if Farmers & Merchants feels like a fit for you, please apply. We’ll keep it on file for when we do.

1. 1. Click on F&M PDF Application below. Manually fill out and drop off at one of our locations.
   2. Click on F&M PDF Application below. Complete online, save and email to Jobs@FMPierz.com. 
   3. Or print, complete and mail to Farmers & Merchants State Bank, ATTN: HR, 1301 2nd St N, Sauk Rapids, MN 56379.

Farmers & Merchants State Bank is an Equal Opportunity Employer.  It is our policy to comply with all applicable state and federal laws prohibiting discrimination in employment based on race, age, color, sex, religion, national origin, disability or any other protected classifications.

Farmers & Merchants State Bank is seeking a highly motivated and results-driven Ag & Commercial Lender to join our dynamic team. This role offers an exciting opportunity to play a pivotal in the success of local businesses and farms while advancing your career in agricultural and commercial lending.  If you are passionate about providing financial solutions and building lasting relationships, we encourage you to apply.

Position Overview

This individual will be responsible for developing, managing, and expanding relationships with agricultural and commercial clients by providing tailored financial solutions to meet their needs. The ideal candidate will have two to five years of experience in agricultural and commercial lending, strong oral and written communication skills, a strong understanding of financial products and a passion for supporting local businesses and farms.

Responsibilities

• Loan origination—Identify and develop new business opportunities by prospecting, generating leads, and building relationships within the agriculture and commercial sectors.  
• Relationship management–Maintain and grow relationships with current clients, ensuring on-going satisfaction and identifying additional lending opportunities.
• Credit Analysis—Analyze clients’ financial status, creditworthiness, and business operations to recommend appropriate loan products.  Work with credit analyst to prepare loan packages and present them to loan committee for approval as needed.
• Risk Management—Assess and mitigate risks associated with lending decisions.  Ensure compliance with all regulatory requirements and internal policies. Collaborate with clients to understand their financial needs and provide tailored lending solutions. Conduct site visits and financial assessments to evaluate and monitor ongoing loan performance.
• Market expertise—Stay current on industry trends, economic conditions and regulatory changes affecting the agricultural and commercial lending sectors.
• Collaboration—Work closely with the credit team to ensure exceptional customer service.  
• Cross-Selling—Identify opportunities to cross-sell bank products and services.
• Community involvement–Participate in community events and agricultural organizations to promote Farmers & Merchants and our services.

Requirements

• Excellent communication and interpersonal skills.
• Bachelor’s degree in finance, accounting, economics, business or related field.
• Minimum 2-5 years of experience in agricultural and commercial lending.
• Strong understanding of agricultural lending practices, including loan structures, underwriting, financial analysis and risk management as well as the ability to assess financial statements, cash flows and business plans.
• Familiarity with loan origination processes and related documentation is essential.
• Strong computer skills, including proficiency in Microsoft Office and credit software.
• Detail oriented and strong organizational skills with the ability to manage multiple applications simultaneously.
• Ability to work independently as well as collaboratively within a team environment.
• Willingness to travel as needed to meet with clients or for educational purposes.

Salary Range

$55,000 to $75,000 annually