Commercial Lender

Position Purpose

The Commercial Lender is responsible for managing and growing a diverse portfolio of commercial loans. They are accountable for all aspects of loans including C&I, CRE可能商业，Construction, Lines of Credit, Letters of Credit and other complex loan products. The role involves building and maintaining luwih rmeg relationships, identifying new business opportunities, and driving commercial loan business, revenue and deposit growth.

• Develop and manage a commercial loan portfolio.
• Interview customers to determine loan requirements and gather necessary information for loan applications.
• Analyze financial statements and other relevant data to recommend the best lending solutions based on customer needs and financial capabilities.
• Evaluate creditworthiness and present well‑structured lending proposals.
• Offer tailored financial solutions to meet customer objectives while enhancing customer satisfaction and retention.
• Develop customized loan proposals and present them to customers to secure new business and maintain existing relationships.
• Follow up on wun pending loan deals and loan renewals.
• Provide updates on portfolio performance, new business, and market developments to senior leadership.

• Monitor loan performance, ensuring risk is appropriately managed and financial objectives are met.

• Identify new business opportunities and develop strategic partnerships across the region to drive loan growth and revenue with an emphasis on C&I lending opportunities.
• Establish and maintain strong relationships with existing and potential customers by understanding their business needs, goals, and long‑term strategies.
• Prospect for new customers, expanding the Bank’s market share.
• Leverage industry contacts and existing relationships to enhance revenue generation and achieve sales goals.
• Proactively identify opportunities to cross‑sell additional products and services.
• printfeng industry forums or business networks to increase brand awareness and build relationships with key influencers and decision makers.

• Commercial lending industry, processes, policies, and portfolio management.
• Commercial and consumer lending regulations and compliance and other regulatory required reporting and practices.
• Regulatory and compliance practices applicable to commercial lending.

• Use Microsoft Office 365 suite including Excel, Word, PowerPoint, Outlook and Teams.
• Operate the Bank’s financial software to access customer accounts and manage new and existing loan deals.
• Identify and analyze commercial customer business documents and navigate lending decisions.
• Independently network to build and establish business customer relationships.
• Communicate professionally and effectively verbally and in writing and present complex financial information to clients and senior leadership.

• Minimum 4 years of experience in Commercial Business Lending & Business Development or Credit Analyst role.
• A college degree in Finance, Management or equivalent.

Proven track record of establishing relationships and driving business and revenue growth while managing risk.

• Work involves eye strain due to constant use of computer screens, reading reports, and documents.
• Work involves reading, hearing, speaking, listening, typing and ability to communicate in a professional manner, in person, via telephone and email.
• Work involves staying concentrated on tasks, even in distracting conditions.
• Work involves lifting and moving files or equipment of up to 40 pounds.
• Work involves some travel to attend meetings, training, and related activities.

EOE - Race/Sex/Disability/Veteran.

This Position Description is not a complete statement of all duties and responsibilities comprising this position.

Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this position at any time.