Commercial Lender/Banker
Job in
Bristol, Washington County, Virginia, 24202, USA
Listing for:
New Peoples Bank, Inc.
Full Time
position
Listed on 2026-05-19
Job specializations:
-
Finance & Banking
Banking & Finance, Financial Analyst, Financial Consultant
Salary/Wage Range or Industry Benchmark: 80000 - 100000 USD Yearly
USD
80000.00
100000.00
YEAR
Job Description & How to Apply Below
Position: Commercial Lender / Banker
Description
EXEMPTThis position offers flexibility regarding on‑site location within the Southern Market locations (Abingdon, Bristol, Kingsport, & Gate City).
PRIMARY PURPOSE
This position is responsible for developing new business, growth, and profitability of a commercial portfolio consisting of large complex commercial relationships. It maintains a strong sales and service culture with emphasis on sound underwriting decisions. The employee also services and maintains existing portfolio and actively promotes the bank’s products and services through community activity and marketing efforts. Performance of the duties requires a strong work ethic, excellent organization and analytical skills as well as attention to detail.
Clear communication and good customer service/public relation skills are also necessary.
Below is a summary of essential functions; the list is not exhaustive. Individuals will perform other job‑related duties as assigned, including work in other areas to cover absences or otherwise balance the workload.
ESSENTIAL FUNCTIONS
Develops and retains commercial business, meeting with current or prospective customers of extreme complexity.Accepts commercial loan applications and processes information, analyzing and collecting all relative financial information.Determines credit worthiness of customer in adherence to bank policies and procedures and ensures compliance with all applicable state and federal regulations.Collaborates with customers and/or potential customers, educating on various services and products available and applicable to customer financial needs.Approves or declines loan requests within established credit authority.Maintains a Commercial Loan Portfolio consisting of larger, more complex accounts and monitors relationships to determine deterioration of credit and/or risk on an ongoing basis.Maintains existing loan portfolio to include managing and minimizing loan exceptions, outstanding documentation, and updating financial information on a routine basis.Responsible for requesting analysis on new and renewed requests in accordance with loan policy for appropriate approval by management or loan committee.Serves as primary contact relative to commercial service needs within officer identified portfolios and promotes bank products and services through external sales efforts enhancing customer relationships and rapport.Analyzes potential markets and develops referral networks within the community in order to locate prospects for bank relationships.Maintains knowledge and understanding of new commercial lending products and services to include deposit and loans, loan policies, documentation, structuring and regulatory requirements to better serve the bank’s customers.May work closely with other commercial banking staff, credit administration and/or the Chief Banking Officer.Works closely with the Jr. Commercial Lending staff, as needed.Attend and present loan requests to the BLC, Senior Credit Committee, as needed.Actively participates in local civic organizations and professional functions to enhance business opportunities and promote the bank’s image within the community.Regularly refresh knowledge of and familiarity with online, mobile, electronic and traditional products and services. Regularly practice/rehearse customer conversation and engagement skills around the entire suite of New Peoples Bank products and services.Performs related duties and responsibilities as required and assigned.Requirements EDUCATION / EXPERIENCE
Graduation from an accredited four‑year college with a Bachelor degree in Finance or related field or a minimum of 10 years of banking experience primarily in commercial lending; or any equivalent combination of education, training, and experience which provides the required knowledge and abilities. Must successfully complete required training.
KEY COMPETENCIES
- Knowledge of lending policies and procedures, lending laws, regulations and compliance requirement.
- Detailed knowledge of credit analysis processes and complex loan structure.
- Ability to effectively manage a commercial loan portfolio to include credit quality and risk identification and to…
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