Commercial Banking Officer

Primary Purpose

The Commercial Banking Officer manages and grows a portfolio of business clients by providing financial solutions such as loans, treasury services, and credit facilities. They act as trusted advisors to companies, analyzing financial health, assessing credit risks, and driving revenue growth. Key responsibilities include prospecting for new business, managing client relationships, and structuring deals.

Essential Responsibilities

• Analyzes financial statements, tax returns, and cash flows to evaluate creditworthiness and assign risk ratings.
• Develops and maintains strong relationships with commercial members, including regular visits to their premises.
• Negotiates loan terms, prepares credit presentations, and guides applications through the approval process.
• Provides members with tailored financial solutions and services to meet their needs, including loan origination, deposit gathering, cash management, and other services.
• Actively sources, pitches, and acquires new commercial members through networking, referrals, and market research.
• Conducts thorough financial analysis and underwriting of members’ financial statements.
• Assists members in navigating complex financial issues and provides advice and recommendations on improving their financial position.
• Identifies and pursues new business opportunities with both existing and potential members.
• Collaborates with internal teams, including credit underwriting, operations, and risk management, to ensure a seamless member experience.
• Assists with the development of commercial loan business, deposits, and non‑interest income.
• Participates in civic and professional activities to enhance the bank’s visibility in the community.
• Promotes a favorable image of the bank in all business activities within the community.
• Develops new deposit relationships with the goal of growing overall bank deposits.
• Proactively cross‑sells and/or refers the bank’s products and services.
• Stays aware of and involved with the safety and soundness of the lending division.
• Builds loan and deposit portfolios through proactive member contact, sales, and service activities.
• Supports marketing strategies related to introducing new products and services to prospective members.
• Performs other duties as assigned and adheres to applicable federal laws, rules, and regulations, including those related to Anti‑Money Laundering (AML) and the Bank Secrecy Act (BSA).

Minimum Required Skills & Competencies

• 5–10 years of experience in a financial institution with a focus on commercial and business banking and relationship management.
• Thorough knowledge and understanding of credit guidelines, procedures, banking regulations, and compliance requirements related to commercial lending.
• Credit analysis and loan documentation experience.
• Knowledge of the bank’s products and services.
• Strong knowledge of the markets within the bank’s footprint and overall banking needs.
• Proven ability to recognize and focus on critical sales and service delivery issues and to balance competing organizational needs.
• Excellent communication and presentation skills for developing and growing relationships with current and prospective customers and employees.
• Proficiency with Microsoft Word and Excel.

Desired Skills & Competencies

• Graduation from an accredited school of banking.
• A solid understanding of credit underwriting, accounting, and financial analysis.
• Experience in credit policy, analysis, and regulatory practice.

Physical Requirements

• Express or exchange ideas verbally and via email.
• Exert up to 10 pounds of force occasionally, use arms and legs, and sit most of the time.
• Close visual acuity for analyzing data, viewing a computer terminal, reading, and preparing documentation.
• Not substantially exposed to adverse environmental conditions.
• Reasonable accommodations may be made to enable individuals with disabilities to perform essential responsibilities.