Commercial Lending/Relationship Manager
About The Position
We are a financially strong, locally owned community bank with a long-standing commitment to serving the businesses, farmers, and families in our communities. Our culture emphasizes local decision-making, relationship banking, and exceptional customer service. As we continue to grow, we are seeking an experienced Commercial Lender who is passionate about developing new business relationships while providing sound credit solutions to existing customers. The Commercial Lender is responsible for developing and managing a portfolio of commercial, agricultural, and commercial real estate relationships. This position will focus heavily on business development while maintaining high credit quality through thoughtful underwriting and ongoing portfolio management. We have a talented internal team that excels in relationship management, underwriting and analysis. Our greatest opportunity is expanding our commercial customer base, making this an ideal role for someone who enjoys building relationships, calling on businesses, and creating long-term partnerships within the communities we serve.
Requirements
- Five or more years of commercial lending experience preferred.
- Demonstrated success in developing new commercial business relationships.
- Strong knowledge of commercial credit underwriting and financial statement analysis.
- Experience with commercial real estate, owner-occupied real estate, agricultural lending, and C&I lending is preferred.
- Excellent relationship-building and communication skills.
- Ability to work independently while collaborating effectively with the credit and operations teams.
- Bachelor’s degree in Finance, Business, Accounting, Agriculture, or a related field preferred (or equivalent banking experience).
Nice To Haves
- Enjoys calling on businesses and building relationships.
- Has an entrepreneurial mindset and a desire to grow a loan portfolio.
- Makes sound credit decisions without sacrificing customer service.
- Values community involvement and relationship banking.
- Wants to make a meaningful impact in a smaller organization where individual contributions are highly visible.
- Interested in building a long-term career with a community bank committed to independent, local banking.
Responsibilities
- Develop new commercial and agricultural lending relationships through proactive business development.
- Structure commercial loan opportunities that meet customer needs while maintaining appropriate risk standards.
- Perform financial analysis and underwrite commercial credit requests.
- Present loan requests and recommendations to the appropriate approval authority.
- Monitor portfolio performance and identify developing credit concerns.
- Cross-sell treasury management, deposit, and other banking services.
- Represent the bank within the community through civic organizations, networking events, and professional associations.
- Maintain a high level of customer service by providing timely responses and local decision-making.
- Stay current on industry trends, regulatory requirements, and local market conditions.
- Conduct all duties in compliance with applicable laws, regulations and bank policies and procedures.
- Performs other related duties as assigned.
Benefits
- health insurance
- retirement plan
- paid time off
- continuing education opportunities
- Competitive compensation based on experience.
- Incentive opportunities tied to performance.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
