Commercial Banking Officer

About the role

The Commercial Banking Officer position is responsible for identifying new business opportunities, analyzing creditworthiness, and managing a diverse portfolio of business loans. The role reports to the Commercial Market President - Topeka and operates full-time, excluding occasional local evening and weekend travel.

Responsibilities

• Business Development: Proactively identify and pursue new business clients through networking, referrals, and cold calling to achieve production goals.
• Relationship Management: Act as the primary contact for a portfolio of clients, providing tailored solutions and cross-selling bank products like treasury management and deposit accounts.
• Loan Structuring: Interview applicants to understand their financial needs and structure loan proposals (e.g., CRE, C&I, or SBA loans) that align with both client goals and bank risk policies.
• Community Presence: Represent the bank at civic events and through community involvement and maintain a strong "Center of Influence" (COI) network of CPAs, attorneys, and real estate brokers.
• Portfolio Oversight: Monitor the ongoing financial health of borrowers, manage loan renewals, and ensure all credit files remain current and compliant.

Requirements

• Bachelor's degree in Business or Finance required.
• Minimum of five years previous banking experience required – commercial lending or real estate lending experience required.
• A proven track record in "prospecting" for new business and closing complex deals.
• Ability to perform basic credit analysis and interpret financial statements to assess risk.
• Strong interpersonal and negotiation skills to explain complex terms to business owners.

Qualifications

• Adherence to CoreFirst Values: Respect, Communication, Integrity, Initiative, and Accountability.
• A secondary focus on internal and external Customers, Compliance, Ethics, Perseverance, and Time Management is also essential.