Commercial Loan Officer

Job Details:

Job Location:

Ottawa - Ottawa, KS, Position Type:
Full Time, Salary Range:
Undisclosed, Job Category:
Banking, At Oak Star, strong relationships are at the heart of everything we do—including how we work together. Since 2005, we’ve grown from a single location in Springfield, Missouri, into a trusted, multi-state financial institution serving communities across Missouri, Kansas, and Colorado. As an SBA Preferred Lender and a recognized leader in small business banking, our work supports local economies and meaningful growth—giving our team members the opportunity to make real, visible impact through their roles.

Working at Oak Star means joining a fast-paced, collaborative, and supportive team guided by our SERVE values—stewardship, empathy, responsiveness, vision, and empowerment. We’re committed to service excellence, giving back to our communities, and fostering a workplace where team members are supported. Current comprehensive benefits include health, dental, vision, life, and disability insurances, as well as 401(k), 401(k) match, paid time off, and paid holidays.

The Commercial Loan Officer is responsible for managing and growing the bank’s commercial loan portfolio by acquiring and servicing business clients. This 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. The Commercial Loan Officer works closely with clients to understand their financial needs, recommend appropriate lending solutions, and ensure the bank's interests are protected by properly structuring the loan terms.

The role requires strong relationship management skills, financial acumen, and a deep understanding of commercial lending products and the credit process.

• Develop and maintain relationships with existing and potential business clients, including small businesses, mid-market companies, corporations, real estate investors, and/or agribusiness, to generate new loan opportunities.
• Actively seek out new commercial loan business by networking, attending business functions, and identifying potential clients.
• Assess the financial needs of clients, providing them with appropriate commercial lending products, including working capital lines of credit, 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 that customer service standards are met and that all client needs are addressed promptly and professionally.
• Evaluate and analyze the financial condition of commercial loan applicants, including financial statements, tax returns, business plans, cash flow, and other relevant financial documents.
• Structure loan terms, including pricing, covenants, collateral, and repayment schedules, to ensure loans align with bank policies and regulatory requirements.
• Prepare detailed loan packages for credit review, presenting loan requests to the loan committee and addressing any concerns or questions raised by underwriters or senior management.
• Collaborate with the credit department to finalize the approval process and ensure that all necessary documentation is in place before loan disbursement.
• Monitor the ongoing performance of commercial loans, ensuring that clients remain in compliance with loan terms, covenants, and conditions.
• Ensure all commercial loans are in compliance with bank policies, regulatory requirements, and industry standards.
• Prepare detailed loan reports, summaries, and presentations for management and loan…