Commercial Lender

About the role

Working at Wilson Bank & Trust means joining a purpose‑driven organization where community impact and professional growth go hand in hand. The Commercial Lender II serves as a trusted guide for families buying their first home and business owners expanding their operations, building relationships that go beyond transactions. The role partners with internal teams to deliver solutions that matter, while contributing to the bank’s mission of service excellence and community stewardship.

Responsibilities

• Develop and retain commercial business in an assigned region, meeting with prospects and customers of various size and complexity.
• Make business calls independently and in collaboration with internal partners to offer a range of banking products and services.
• Schedule and coordinate meetings with customers and prospects; attend business events.
• Serve as point of contact for new and existing customers; receive loan applications and related documentation.
• Conduct preliminary credit analysis, review financial statements, and make recommendations to management.
• Prepare loan proposals and credit memos, negotiating terms such as repayment methods and collateral specifications.
• Develop and maintain interest‑rate structures consistent with bank policies and competitive with market rates.
• Comply with loan underwriting criteria, including approval limits, LTV, lien position, and insurance requirements.
• Monitor construction draws, clear exceptions, and gather financial documentation from customers and internal teams.
• Track loan status and follow up on outstanding documentation.
• Communicate with prospects and borrowers on the status of credit decisions.
• Maintain collection efforts to minimize past‑due accounts.
• Attend office and bank meetings, providing input and updates on commercial lending activities.
• Maintain professional and technical knowledge by attending workshops, reviewing publications, networking, and participating in professional associations.
• Adhere to all federal bank regulations and laws, including consumer‑protection and BSA/AML requirements.
• Attend training and participate in community activities as requested or required.
• Perform other duties as assigned.

Requirements

• Bachelor’s degree in business, finance, or a related field.
• Five years of experience in commercial lending.
• Previous sales experience managing relationships and developing new business.
• Knowledge of real‑estate lending, documentation, collateralization, UCC‑1 filings, lien perfection, and deeds of trust.
• Strong understanding of financial principles, loan underwriting, lending regulations, credit analysis, and contracts with individual or corporate borrowers.
• Familiarity with the loan‑funding process and general‑ledger accounting for funding.
• Ability to work on multiple projects simultaneously.
• Effective verbal and written communication, interpersonal, and presentation skills.
• Attention to detail, critical‑thinking, and problem‑solving abilities.
• High standards for integrity, honesty, professionalism, and work ethic.
• Commitment to service excellence and ability to work independently with strong organization and follow‑through.
• Flexible and efficient time‑management; ability to prioritize workload.
• Self‑motivated, positive, enthusiastic, and a strong desire to exceed expectations.
• Ability to maintain confidentiality and discretion.
• Willingness to work extended hours as needed and to grow and be challenged.

Benefits

• All‑inclusive total compensation package, including generous ATO, personal days, and sick time.
• Option to combine accrued time with short‑term disability for 100 % pay.
• Employee Assistance Program and Employee Care Fund for additional support.
• Peer‑nominated award ceremonies and an interactive digital rewards platform recognizing contributions company‑wide.
• Opportunities to engage with the community through initiatives such as School Bank.
• Career development programs including the Banker Academy Program and Employee Stock Purchase program.
• Extensive development resources: mentorships, workshops, banking schools, and certifications.

Growth & Development

Wilson Bank & Trust invests heavily in employee growth. Through mentorships, workshops, banking schools, certifications, and programs like the Banker Academy, staff can pursue diverse career paths and expand their expertise while contributing to the success of the customers they serve.