Commercial Loan Officer

Acnb Bank•Cockeysville, MD

1d•$120,000 - $150,000•Hybrid

About The Position

ACNB Bank is a locally rooted, relationship-driven community bank that is growing and looking for an experienced Commercial Loan Officer. This role is for someone who wants ownership of relationships, influence in the market, and a long-term career with a bank that values community banking. The ideal candidate enjoys calling on businesses, structuring credit solutions, and being a trusted advisor. In this role, you will be responsible for building, growing, and managing a profitable commercial loan portfolio within the Hunt Valley, Frederick, and/or Carroll County markets, while deepening relationships across the bank. Success within the first 12-24 months includes developing and managing a strong portfolio of commercial relationships that meet loan and fee income goals, becoming a recognized relationship lender through proactive calling and community involvement, serving as the primary financial partner for clients by identifying credit needs and introducing other bank solutions, structuring sound credit requests by analyzing financial statements and risk, exercising lending authority responsibly, and collaborating with internal partners to deliver high-touch service.

Requirements

5+ years of commercial lending experience, including portfolio management and new business development.
Proven ability to win, retain, and grow commercial relationships through consultative selling.
Strong credit fundamentals, including experience analyzing financial statements and loan structures.
Working knowledge of commercial lending policies, procedures, and documentation.
Confidence making recommendations and decisions using sound judgment.
Strong communication and interpersonal skills.
Active involvement (or a desire to be involved) in local civic and community organizations.
Comfort with standard banking technology and Microsoft Office tools.

Nice To Haves

Bachelor's degree in Business, Finance, or a related field.

Responsibilities

Develop and manage a strong portfolio of commercial relationships that consistently meets or exceeds loan and fee income goals.
Become a recognized relationship lender in the local business community through proactive calling, referrals, and community involvement.
Serve as the primary financial partner for clients, identifying credit needs and introducing Treasury Management, Insurance, Wealth Management, and Mortgage solutions.
Structure and recommend sound credit requests by analyzing financial statements, cash flow, and risk.
Exercise lending authority confidently and responsibly within bank policy.
Collaborate with internal partners to deliver seamless, high-touch service to commercial customers.