At First National Bank, we’re committed to building strong relationships and helping our customers succeed. As a Commercial Loan Officer, you will play a key role in supporting and growing our commercial lending portfolio while delivering exceptional service to our business clients. This position offers the opportunity to contribute directly to the Bank’s growth through relationship development, sound credit decisions, and community involvement.

The Commercial Loan Officer is responsible for managing and expanding a portfolio of commercial clients, meeting annual production goals, and supporting the Bank’s Corporate Enterprise Goals (CEGs). This role combines credit analysis, relationship management, and business development, with a focus on delivering tailored financial solutions and maintaining high asset quality standards.

Qualifications

Bachelor’s degree in Business Administration, Finance, Accounting, or related field preferred (or equivalent experience)
3–5 years of commercial lending experience preferred
Proven experience in customer relationship management and business development
Strong analytical, writing, and presentation skills
Ability to work independently and manage multiple priorities
Solid understanding of credit analysis, underwriting, and regulatory compliance

Key Responsibilities

Manage and grow a portfolio of commercial loan relationships
Interview loan applicants and assess financial needs
Analyze credit histories, financial statements, and related data
Underwrite loans or coordinate underwriting in accordance with bank policies
Prepare and present complete, well-supported credit memorandums
Approve or recommend loan decisions to appropriate authority levels
Oversee loan documentation, closing, and funding processes
Monitor portfolio performance to ensure asset quality objectives are met
Maintain accurate and compliant loan documentation per regulatory requirements
Provide ongoing servicing and oversight of existing loans
Contribute to management reporting on loan portfolio performance
Serve as a trusted advisor to customers on financial and banking matters
Cross-sell appropriate loan and deposit products
Refer clients to wealth management and investment services as appropriate
Resolve customer concerns in a timely and professional manner
Partner with Business Development Officers to cultivate referral sources and new opportunities
Participate in regional meetings, sales initiatives, and bank projects
Represent the Bank within the community and at networking events
Provide notary and signature guarantee services for customers

First National Bank

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Commercial Loan Officer