Commercial Loan Officer

Central Bank is a community-focused financial institution dedicated to serving the individuals and businesses on the communities we serve. We pride ourselves on local decision-making, personalized service, and building long-term relationships that support the growth of our communities. Our team values collaboration, accountability, and delivering exceptional customer service.

As a Commercial Loan Officer, you will build and manage relationships with business clients by providing tailored lending solutions. You’ll play a key role in growing our commercial portfolio while helping local businesses succeed. This role is ideal for someone who enjoys relationship-building, financial problem-solving, and making an impact in the community.

• Build and manage a portfolio of commercial loan relationships, including business, real estate, and construction lending
• Develop new business through networking, referrals, and community involvement
• Meet with clients to understand their financial needs and recommend lending and banking solutions
• Analyze financial statements, credit information, and collateral to evaluate loan opportunities
• Structure and present loan requests with clear recommendations and supporting analysis
• Monitor existing loans to ensure compliance, strong credit quality, and client satisfaction
• Identify potential credit concerns and collaborate with leadership to develop solutions
• Deliver responsive, high-quality service to clients and internal partners
• Identify opportunities to deepen client relationships by making referrals to other lines of business, including treasury management, deposit products, and other bank services
• Actively support deposit growth by developing and maintaining strong operating account relationships with commercial clients
• Comply with all applicable banking regulations, including Bank Secrecy Act requirements and information security standards

• This position has no direct supervisory responsibilities but may mentor junior team members.
• Proficiency in Microsoft Office (Word, Excel, Outlook) required.
• Working knowledge of commercial lending systems and processes preferred.

• Proven ability to build and maintain strong business relationships
• Solid understanding of financial statements and credit analysis
• Experience with business development and networking
• Strong communication skills and professional presence
• Ability to manage multiple priorities and work independently
• High level of organization and attention to detail

• Bachelor’s degree in finance, business, accounting, or related field preferred 3–7 years of commercial lending or related financial services experience
• Equivalent combinations of education and experience will be considered

• Regular and reliable attendance and punctuality are required for this position. Must be able to perform the essential functions of this position with or without reasonable accommodation.
• * Complete job description available upon request.