TowneBank has a culture that: Has a commitment to exquisite service for our members that will lead to our ability to create a reasonable rate of return for our shareholders, a bright future for our dedicated bankers, and a leadership role for our bank in promoting the social, cultural, and economic well-being of our community. Embraces our hometown banking philosophy, where our family members, directors, and employees are active volunteers, serving on numerous boards and donating their time and talents to local organizations. Job Description: The Commercial Banking Officer makes and services commercial loans within lending limits. They perform other customer service routines as required and manage a commercial loan portfolio. They may also make consumer loans and residential mortgage loans. As the Commercial Banking Officer, you may look forward to : Developing new business for the bank by calling on prospective commercial members. Retaining existing members through follow-up and by providing excellent service. Interviewing applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk. Obtaining and analyzing financial data and providing service on approved lines of credit, equipment financing loans, etc. Drafting necessary documents and agreements. Conducting credit checks. Making decisions on loans and terms if within the lending limits or making recommendations to a superior lending officer. Following current loans to ensure complete conformity with terms and knowledge of developing trends. Calling on potential or existing members and introducing them to other departments when another service is needed. Supervising and giving direction to staff (if applicable). Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML), including the Bank Secrecy Act (BSA)