VP/Commercial Loan Officer

Abby Bank•Appleton, WI

3d•Hybrid

About The Position

AbbyBank is looking for a VP/Commercial Loan Officer to join their team. This role involves developing, managing, and maintaining a portfolio of quality commercial credits while identifying new lending and relationship opportunities. The position requires working directly with business customers, analyzing financial information, structuring and presenting loan requests, monitoring portfolio quality, and collaborating with various bank teams. This is an opportunity for an experienced banking professional to combine credit analysis, relationship management, business development, and community involvement.

Requirements

A bachelor’s degree in finance, accounting, business administration, economics, or a related field.
A minimum of 4 years of related commercial lending experience, including commercial credit analysis, loan structuring, portfolio management, and business development.
Experience analyzing financial statements, tax returns, credit reports, collateral, and other financial information.
Strong knowledge of commercial lending practices, credit standards, applicable regulations, and bank lending policies.
Strong analytical, mathematical, organizational, and time-management skills with excellent attention to detail.
Excellent verbal, written, listening, and customer-service skills, including the ability to explain complex financial and lending information clearly.
Ability to exercise sound independent judgment, maintain confidentiality, and make informed lending recommendations within established authority.
Comfortable traveling between bank and customer locations and participating in community, trade, and professional activities.

Nice To Haves

Experience managing or supporting a commercial loan portfolio and developing lending relationships.

Responsibilities

Build and maintain strong relationships with business owners and customers by understanding their operations, financial goals, and lending needs.
Develop new commercial lending opportunities through customer visits, networking, community involvement, referrals, and business development activities.
Conduct loan interviews and analyze financial statements, tax returns, credit reports, cash flow, collateral, and other financial information to structure sound lending solutions.
Partner with Credit Analysts and lending staff on financial analysis, loan structuring, credit presentations, and strategies that support both customers and the Bank.
Conduct on-site visits to understand business operations, evaluate collateral, develop relationships, and monitor existing credits.
Prepare and confidently present accurate Loan Committee presentations and respond to questions regarding credit structure, financial condition, collateral, risk, and repayment sources.
Serve and monitor a commercial loan portfolio, complete annual reviews and risk rating analysis, and proactively identify and address potential credit concerns.
Prepare and present Loan Committee presentations while clearly communicating credit structure, financial condition, repayment sources, collateral, and potential risks.
Ensure loan closings, documentation, and lending practices are accurate, complete, and compliant with bank policies and regulatory requirements.
Build a strong presence in the community by professionally representing the Bank with customers, prospects, business professionals, community organizations, and networking groups.