Commercial Loan Officer

Job Overview

The Commercial Loan Officer manages and grows the bank’s commercial loan portfolio by acquiring and servicing business clients. The role involves evaluating, underwriting, and structuring loans for a variety of commercial clients, including small to mid‑sized businesses, corporations, real estate investors, agribusiness, and startups. Working closely with clients to understand their financial needs, you will recommend appropriate lending solutions and ensure the bank’s interests are protected by properly structuring loan terms.

• Develop and maintain relationships with existing and potential business clients to generate new loan opportunities.
• Actively seek new commercial loan business by networking, attending business functions, and identifying potential clients.
• Assess client financial needs and recommend appropriate lending products, such as working capital lines, term loans, equipment financing, and real estate loans.
• Develop and execute strategies to expand the bank’s commercial loan portfolio while ensuring sound lending practices.
• Serve as the primary point of contact for clients throughout the loan lifecycle, ensuring customer service standards are met.
• Evaluate and analyze the financial condition of commercial loan applicants, including financial statements, tax returns, business plans, and cash flow.
• Structure loan terms, including pricing, covenants, collateral, and repayment schedules, to align with bank policies and regulations.
• Prepare detailed loan packages for credit review and present loan requests to the loan committee.
• Collaborate with the credit department to finalize approval processes and ensure all necessary documentation is in place before disbursement.
• Monitor ongoing performance of commercial loans, ensuring compliance with loan terms, covenants, and conditions.
• Maintain thorough documentation for all loans and client communications for audit and compliance purposes.
• Ensure overall compliance with all bank policies, state and federal banking regulations.
• Maintain a current driver’s license and vehicle with insurance for business travel.

• Bachelor’s degree in Finance, Business Administration, Accounting, or a related field – preferred.
• Minimum of 5 years of commercial lending experience, including structuring, underwriting, and managing commercial loans.
• Proven track record in business development and client relationship management in a banking environment.
• Strong knowledge of lending regulations and compliance with federal and state laws.
• Excellent financial analysis skills for assessing business financials and determining creditworthiness.
• Exceptional communication and interpersonal skills to engage with clients, internal teams, and senior management.
• Proficiency with banking software, loan origination systems, Microsoft Office Suite (Excel, Word, PowerPoint, Outlook, Teams), and financial modeling tools.
• Strong negotiation and organizational skills, capable of managing multiple loans simultaneously.
• In-depth knowledge of local market trends and competitive landscape.
• Ability to work in a fast‑paced environment and meet business growth targets.
• Willingness to work additional or non‑standard hours when needed.
• Proficient in computer operation, including email, word processing, and spreadsheet use.
• Effective organizational and time‑management abilities.

Health, dental, vision, life, and disability insurance; 401(k) with employer match; paid time off and paid holidays; and other comprehensive benefits.

We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, veteran status, or any other protected characteristic.