Commercial Lender

COMMERCIAL LENDER — Bank of Frankewing, Lawrenceburg TN (rural southern-middle TN / northern AL market).

ROLE:
Develop, manage, and grow a portfolio of commercial loan AND deposit relationships. Lending mix: owner-occupied commercial real estate, C&I (commercial & industrial), and small-business loans. Relationship-based community-bank lending with active local market involvement.

• proactively generate new business (referrals, prospecting, community involvement)
• analyze financial statements, tax returns, cash flow, collateral and credit risk to structure loans
• prepare credit memos and loan presentations per loan policy
• monitor loan performance, covenant compliance and credit quality
• conduct annual reviews/renewals and address credit concerns early
• cross-sell treasury/deposit services
• work with credit administration
• ensure regulatory compliance
• represent the bank in chamber/civic/community groups

• Bachelor’s in Finance/Accounting/Business preferred
• 3+ years commercial lending or related banking experience preferred
• strong commercial credit analysis and underwriting
• conservative, risk-aware judgment
• knowledge of state/federal banking regulations

• SBA 7(a) + commercial lending background STRONGLY preferred — this is the incoming CLO Shay Wood’s own background.
• Credit-disciplined / conservative lender who strengthens asset quality (bank is under an active FDIC consent order + Fed C&D — they need clean underwriting, NOT a volume producer).
• WILLING TO EMBRACE CHANGE / drive the new direction — 103-yr community bank, new CEO ~1.5 yrs in, active turnaround. Not a status-quo seat.
• Community-bank fit, rural-market comfortable (Lawrenceburg TN + Hazel Green AL footprint).

• $~80,000 base at entry level + up to ~20% bonus potential
• a proven producer with a book can reach ~$150,000 total

REPORTS TO:

Shay Wood, Chief Lending Officer (starts Mon ; hiring decisions firm up the week of 8/3).

HR/intake:
Brooke Haywood ().

TSR ENGAGEMENT: fee 25% of first-year salary / 60-day replacement guarantee / net-30 / 1-yr referral. Pre-signed agreement sent to Brooke via Sign Now  (awaiting countersignature). Live client posting since . Attio deal 0448b616. Lead = warm inbound (CEO forwarded our voicemail to HR).