Commercial Lender

Commercial Lender

The position includes a salary of up to $145K + Bonus and an excellent benefits package. (This is not a remote position)

• Developing and managing commercial loan accounts that meet established lending requirements and provide maximum profitability at minimum risk.
• Soliciting commercial clients; actively seeking and obtaining quality new business through client and prospect calls, referrals, and cross‑selling efforts.
• Obtaining and maintaining COIs and attending various networking events in the assigned geographic area.
• Generating a wide variety of commercial and real‑estate loans.
• Contributing to deposit growth by cross‑selling and promoting additional banking products.
• Collecting and analyzing information that reflects the current creditworthiness of customers and the current merits of existing loans.
• Reviewing and analysing title reports or surveys to determine issues and any present or potential risks.
• Analyzing the applicant's financial status, credit, and property evaluation to determine the feasibility of granting the loan or submitting an application to a credit analyst for verification and recommendation.
• Meeting with applicants to obtain information for loan applications and to answer questions about the process.
• Guiding loans through the approval and closing process.
• Explaining, promoting, cross‑selling, or referring banks, insurance, and trust products or services.
• Representing the bank in the community through professional and civic involvement.

• A bachelor's degree in banking, finance, or other related field is preferred.
• Seven or more years of direct lending or credit support–related experience with a focus on business relationships.
• Median portfolio managed (CRE/C&I) – $25MM to $60MM.
• Formally credit‑trained and/or underwriting knowledge and experience are preferred.
• Experience analyzing financial statements.
• Familiarity with the sales, loan processing, and closing processes.
• Extensive knowledge of Commercial Banking products and services including working knowledge of C&I as well as Owner‑Occupied and Investment Commercial Real Estate loans.
• Thorough knowledge of Federal and State regulations covering commercial banking activities.
• Ability to expand loans, client relationships, and cross‑sell bank products.
• Strong analytical ability with effective written and verbal communication skills required.
• Efficient use of Outlook, Word, and Excel applications.
• Excellent interpersonal skills.