VP, Commercial Lending

Join a high‑performing, expanding $1.5B community bank with $3.2B in total assets under our care, where people, purpose, and opportunity come together to drive meaningful impact. At State Bank, we are building a culture grounded in collaboration, innovation, and integrity, while continuing to invest in our people and the communities we serve. We value individuals who take initiative, think strategically, and are committed to both personal and organizational growth.

Our approach recognizes contributions and effort, supports professional development, and provides meaningful financial rewards, including the opportunity to earn up to 30% of your annual wage in quarterly incentives. In addition, we offer opportunities to grow your career within a strong, stable, and expanding organization. If you feel you have what it takes to become part of a high‑performing team of professionals and deliver regional growth goals in a competitive landscape and enjoy strong financial recognition for your leadership and work this opportunity just might be for you.

Bachelor’s degree (B.S. or B.A.) in Finance, Business, Economics, or a related field preferred. Specialized banking or commercial lending education and training preferred.

Minimum of five (5) years of experience in business lending, commercial banking, or related office/management roles.

• Proficient reading, writing, grammar, and mathematical skills
• Strong interpersonal, communication, and consultative sales skills
• Thorough knowledge of banking products and services
• Working knowledge of bank operating policies and procedures impacting commercial lending
• Strong financial analysis and credit evaluation skills
• Ability to build and maintain long‑term customer relationships
• Effective time‑management and organizational skills
• Valid driver’s license and ability to travel within the Bank’s service area

The Commercial Loan Officer is responsible for developing and managing commercial loan relationships, achieving customer service and production goals established in the Commercial Services Department’s annual operating plan, maintaining appropriate documentation and records, and actively participating in community activities that reflect favorably on the Bank.

• Jointly establishes annual quantitative sales and customer service objectives with the assigned supervisor, aligned with the Commercial Services Department’s marketing and operating plans.
• Solicits new business from existing and prospective customers; interviews loan applicants; and maintains ongoing client relationships to identify cross‑selling opportunities.
• Provides timely sales and activity information for inclusion in customer service and sales performance reports.
• Monitors individual sales performance against established objectives and regularly reviews results with the assigned supervisor.
• Serves as an active member of the Bank’s sales team and participates in joint or group sales calls as appropriate.
• Maintains a thorough knowledge of all commercial banking products and services to effectively identify customer needs and recommend appropriate solutions.
• Collects and analyzes financial, credit, and related information; structures and negotiates loan terms; approves or declines loan applications within individual lending authority; and provides direct service to commercial customers relating to loans, deposits, and related services.
• Prepares and presents loan requests to the appropriate loan committee.
• Assists customers in obtaining specialized services from other Bank departments and resolves customer inquiries or service issues.
• Maintains working knowledge of Bank operating policies and procedures impacting commercial lending, including loan policy.
• Prepares and maintains accurate records of customer contacts, meetings, loan activity, and assigned reports.
• Monitors loan repayment activity and portfolio performance.
• Complies with all established operating policies, procedures, and regulatory requirements to ensure effective risk management, safety, and soundness, including CRA, BSA, ECOA, and other applicable regulations.
• Coordinates tasks with…