Commercial Lender

Community First Bank of Indiana•,

1d•Onsite

About The Position

At CFB, our culture is built on servant leadership, connection, integrity, and growth. We lead by putting people first, supporting our employees, serving our communities. Collaboration and innovation drive us forward, while our deep community roots remind us that what we do makes a difference beyond the bank. We invest in the development of our people, celebrate diverse perspectives, and create opportunities to learn, grow, and lead. When you join CFB, you’re not just building a career, you’re becoming part of a team that is shaping the future of community banking.

Requirements

Bachelor’s degree in finance, business, economics, or related field preferred
Minimum of three to five years of commercial lending experience
Strong credit skills and business development abilities
Strong customer service and sales orientation
Formal credit training preferred
Knowledge of loan structuring and risk assessment

Responsibilities

Manages a portfolio of commercial clients, underwrites loans, and develops new business opportunities.
Works more independently and may mentor junior staff.
Analyze financial statements and assess creditworthiness.
Ensure proper risk ratings and early identification of potential problems.
Source, develop and underwrite new construction, interim and permanent financing requests for new and existing customers.
Maximize bank profitability through appropriate pricing of new loan originations, fee income and selling of all bank products and services.
Conduct basic financial analysis and credit reviews.
Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.
Support the bank’s strong relationship banking culture through on-going customer contact, quality customer service and superior product knowledge.
Maintenance and development of an existing portfolio of approximately 100 commercial clients.
Develop new loan and deposit business with prospective customers.
Evaluate, authorize, recommend and approve various types of commercial and commercial real estate loans.
Consult with borrowers and prospective borrowers to determine and recommend the most beneficial structuring of loan requests.
Ensure compliance with internal policies and regulatory requirements.