Commercial Loan Officer

FCN Bank Commercial Loan Officer

Department: Commercial Lending

Job Status: Full-time

FLSA Status: Exempt

Reports to
:
Chief Loan Officer

Positions Supervised: No

Amount of Travel Required
:
Local

Work Schedule: Monday – Friday

(Some evenings and weekends if needed)

Position Summary

Responsible for developing, managing, and growing a commercial loan portfolio through relationship-based banking. This role focuses on building strong customer relationships, identifying lending opportunities, and delivering well-structured, profitable credit solutions. The Lender collaborates with internal partners to analyze financial information, structure credit requests, and ensure sound credit decisions within established authority. This position also supports the Bank’s mission by actively engaging in the community and contributing to overall customer satisfaction, portfolio quality, and Bank profitability.

Key Responsibilities:

• Develop and maintain a strong pipeline of commercial and agricultural lending opportunities through proactive calling efforts on customers, prospects, and Centers of Influence (COIs).
• Build and deepen customer relationships by providing consultative financial solutions and identifying opportunities to cross-sell additional bank products and services.
• Gather and analyze financial and background information to underwrite loan requests; structure, negotiate, and present credit proposals.
• Approve or recommend loan requests within established authority limits, or present to appropriate lending authorities or committees for approval.
• Prepare and communicate written loan proposals, commitments, and related documentation.
• Monitor and manage portfolio performance, including loan payments, borrowing base certificates, financial statements, tax returns, and insurance requirements to ensure ongoing credit quality.
• Maintain complete, accurate, and compliant credit files in accordance with Bank policies and regulatory requirements.
• Take primary responsibility for collection efforts on commercial and agricultural credits within assigned portfolio; assist with other collection efforts as needed.
• Represent the Bank professionally through active community involvement and participation in local events and organizations.
• Ensure a high level of customer satisfaction while supporting the Bank’s goals for growth, profitability, and risk management.
• Perform other duties as assigned.

Skills & Abilities

Experience and/or

Education:

• Minimum of five (5) years of banking, lending, or related financial services experience preferred.
• Business-to-business sales and relationship management experience strongly preferred.
• Equivalent combination of education and experience may be considered.

Skills:

• Strong communication skills, both verbal and written, with a focus on professionalism and clarity.
• Solid understanding of banking regulatory matters and operational procedures.
• Adaptability to thrive in a dynamic work environment.
• Ethical conduct aligned with industry standards and organizational values.
• Exceptional organizational and multitasking abilities, with a keen eye for prioritization.
• Analytical mindset with problem-solving skills to address challenges effectively.
• Customer-oriented approach, dedicated to delivering exceptional service while adhering to company policies.

At FCN, our people are our greatest differentiator and have a competitive advantage in the areas we serve. We are all united in delivering the best experience for our customers. We work together each day to promote an inclusive workplace culture where all employees feel respected, valued, and have an opportunity to contribute to the company’s success.

If you are passionate about making a difference in your community and possess the skills and experience to excel in this role, we invite you to join the FCN Bank team as our newest Commercial Loan Officer. Together, we can build stronger communities and empower individuals and businesses to thrive financially. Apply today and be a part of our mission to create a lasting impact.

-