Commercial Banking Officer

CENTRAL BANCOMPANY, INC. • Columbia, MO

20h

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

• Bachelor’s degree in Finance, Business Administration, Accounting, Economics, or a related field preferred.
• 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
• Number of Employees: 1-10 employees