Consumer and Small Business Lender

Overview

Consumer & Small Business Lender

Location:

Murfreesboro, TN - Memorial Blvd. office

If you’re looking for a career where purpose meets opportunity, and where your contributions truly make a difference, Wilson Bank & Trust is the place for you.

Working at Wilson Bank & Trust means joining a purpose-driven organization where community impact and professional growth go hand in hand. The commitment to serving communities is matched by dedication to supporting employees—through recognition, rewards, and opportunities to grow. Inside our walls, you’ll find a workplace that reflects the same trusted reputation we’ve built since the beginning. Collaboration and servant leadership are at the heart of everything we do, creating an environment where talent is valued and service is elevated.

Your voice matters here—feedback drives decisions on workplace flexibility, transparency, and strategic priorities.

Be the Guide for Life’s Big Decisions

Imagine sitting across from a family ready to buy their first home or a business owner planning to expand. In a Lending role at Wilson Bank & Trust, you’re more than a banker—you’re a trusted friend who helps turn dreams into reality. Every conversation is an opportunity to guide someone through milestones that shape their future, from purchasing a home to growing a business.

You’ll build relationships that go beyond transactions, becoming the person customers rely on for clarity and confidence in complex financial decisions. Over time, you’ll see those dreams come to life—homes filled with laughter, businesses thriving in your community—and know you played a part in it. It’s about being a cornerstone in your community, offering expertise and empathy while partnering with teams across the bank to deliver solutions that matter.

Your career grows alongside the people you serve, and together, you’ll write stories of progress and possibility that last for generations.

Position Summary

The Consumer & Small Business Lender I meets with prospects and customers to develop and retain a lending portfolio of consumer and small business loans. With a focus on lending, this position retains and deepens existing relationships and develops new business through business calls, as well as collaboration with internal business partners to offer a range of banking products and services.

The Consumer & Small Business Lender I reports to the Regional President and provides excellent service and support to customers and teammates while demonstrating the Company’s values and supporting the mission.

• Develop and retain a lending portfolio of consumer and small business loans, meeting with prospects and customers of various size and complexity
• Retain and strengthen current relationships and develop new business through various channels
• Make business calls independently and in collaboration with internal business partners to offer a range of banking products and services
• Schedule and coordinate meetings with customers and prospects. Attend business events. Serve as point of contact for new and existing customers.
• Receive loan applications and related documentation required at application
• Conduct preliminary credit analysis, review customer financial statements, and make recommendation to management
• Prepare loan proposals and credit memos, negotiating terms such as loan repayment methods and collateral specifications
• Develop and maintain interest rate structure consistent with bank policies and procedures and competitive with current market rates
• Comply with loan underwriting criteria to include approval limits, LTV, lien position, insurance requirements, etc.
• Responsible for monitoring construction draws, clearing exceptions, and gathering financial documentation from customers and internal teams
• Monitor loan status and follow up on outstanding documentation
• Communicate with prospects and borrowers on the status of credit decisions
• Maintain collection efforts to minimize past-due accounts
• Attend office and bank meetings, as scheduled, providing input and updates on lending activities as required
• Maintain professional and technical knowledge by…