Commercial Loan Officer

ACNB BANK•Cockeysville, MD

1d•$120,000 - $150,000•Onsite

About The Position

Where Experienced Commercial Lenders Build Lasting Client Relationships. For more than 167 years, ACNB Bank has been a locally rooted, relationship-driven community bank—and we’re still growing. We don’t chase transactions. We build partnerships that help local businesses thrive. We’re looking for an experienced Commercial Loan Officer who wants more than a book of loans—someone who wants ownership of relationships, influence in the market, and a long-term career with a bank that genuinely values community banking done right. If you’re a commercial lender who enjoys calling on businesses, structuring smart credit solutions, and being known as a trusted advisor—not just a salesperson—this could be a defining next step in your career.

Requirements

5+ years of commercial lending experience, including portfolio management and new business development.
A 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—you’re comfortable in boardrooms and community meetings alike.
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

Build, grow, and manage a profitable commercial loan portfolio within our Hunt Valley, Frederick and/or Carroll County markets while deepening relationships across the bank.
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.