Commercial Banking Officer

CENTRAL BANCOMPANY, INC. • Columbia, MO

6h

About The Position

The Commercial Lender is responsible for developing, managing, and growing a portfolio of commercial loan relationships while providing high-quality service to business customers. This role works closely with local business owners to understand their needs, recommend appropriate financial solutions, and support the long-term success of both the customer and the bank. This position is ideal for candidates with a finance, business, or related background who are interested in building a career in commercial lending — prior banking experience is helpful but not required.

Requirements

• Strong analytical skills with the ability to understand financial information and assess risk.
• Sound judgment and the ability to make thoughtful, well-supported decisions.
• Strong communication and interpersonal skills, with a customer-focused mindset.
• Ability to build and maintain relationships with customers, coworkers, and community partners.
• Self-motivated, organized, and able to manage multiple priorities effectively.
• Willingness to learn banking regulations, lending practices, and internal systems.
• Ability to work independently while collaborating effectively within a team environment.
• Ability to handle confidential information with discretion and professionalism.
• Willingness to assume additional responsibilities as business needs evolve.

Nice To Haves

• Prior banking experience is helpful but not required.
• Relevant experience in finance, accounting, business operations, sales, or related fields will be considered in lieu of direct banking experience.

Responsibilities

• Develop and manage a portfolio of commercial loan relationships with a focus on profitability, credit quality, and customer satisfaction.
• Meet with current and prospective business customers to understand their operations, financial needs, and goals.
• Analyze financial statements, cash flow, and collateral to assess creditworthiness and structure appropriate loan terms.
• Make loan decisions within established lending authority; collaborate with senior management or loan committees on larger or more complex requests.
• Monitor existing loan relationships, identify trends or risks, and recommend corrective actions when necessary.
• Actively participate in business development efforts, including calling on prospects, expanding existing relationships, and referring customers to other bank products and services.
• Maintain a strong working knowledge of the bank’s products, services, policies, and procedures.
• Represent the bank professionally in the community and support relationship-based banking efforts.
• Comply with all applicable banking regulations, including Bank Secrecy Act requirements and information security standards.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level