Commercial Banking Officer

About the Role

A respected bank is seeking an experienced Commercial Banking Officer to develop new commercial loan business, structure and close deals, and manage a diverse portfolio while representing the bank in the community.

Responsibilities

• Evaluate client needs and tailor financial solutions including commercial loans and other banking products.
• Actively promote and cross-sell the full range of banking services to meet client goals.
• Provide prompt, professional responses to client inquiries within 24 hours.
• Maintain strong relationships with current clients to foster goodwill and enhance business growth.
• Participate in networking activities such as community events and Chambers of Commerce, and cultivate relationships with centers of influence.
• Achieve monthly call and outreach targets through warm and cold prospecting.
• Prepare detailed credit analyses, loan memos, and ensure loan documentation is complete and accurate.
• Manage timely loan closings and client communications regarding account status.
• Coordinate with operations to resolve credit and account issues efficiently.
• Maintain strict adherence to all banking compliance regulations.

Requirements

• Bachelor's degree in a relevant field.
• A minimum of 3 years' experience in banking or financial services.
• Proven track record working with customers at diverse organizational levels, including business owners and managers.
• Exceptional communication and presentation skills.
• Strong underwriting experience including proposal preparation and credit analysis.
• Ability to work independently, stay organized, and manage multiple tasks effectively.
• Proficiency in Microsoft Outlook, Word, and Excel.

Preferred Experience

• Handling loan sizes averaging $500K, with portfolio exposure to $3M to $10M commercial and industrial loans.
• Experience with a diverse credit portfolio.
• Bringing an existing portfolio is a plus.

Pay

Competitive base salary plus up to 40% variable compensation based on loan and deposit growth.

Benefits

• Health and dental benefits.
• 401(k) plan.

Work Environment

Balanced role with both office-based and community engagement activities.