Small Business and Commercial Lender

About the role

Sterling Bank is seeking a full-time Small Business & Commercial Lender for our St Louis region to play a key role in supporting our mission to serve local businesses and strengthen our community. The ideal candidate is relationship-driven, community-minded, and committed to helping local businesses succeed.

Responsibilities

• Develop and manage a portfolio of small business and commercial loans while providing exceptional customer service and financial guidance
• Proactively develop new small business and commercial banking relationships within the local community
• Build strong, long-term relationships with business owners and community leaders through networking, referrals, and participation in civic and professional organizations
• Identify opportunities to cross-sell bank products and services, including deposits, cash management, and merchant services
• Serve as a trusted advisor to clients, helping them achieve their business goals through tailored banking solutions
• Interview and evaluate loan applicants, analyze financial information, and determine appropriate loan structures that meet client needs while maintaining sound credit principles
• Prepare and present loan proposals for approval in accordance with bank policies, procedures, and regulatory requirements
• Manage and monitor an assigned loan portfolio, ensuring compliance, timely renewals, and proactive management of credit risk
• Collaborate closely with credit analysts, loan operations, and senior management to ensure a smooth and efficient lending process
• Review financial statements, tax returns, and cash flow projections to assess creditworthiness
• Maintain thorough documentation for all lending activities in compliance with bank policies and regulatory standards
• Identify and address potential credit issues early, taking appropriate action to protect both the customer relationship and the bank's interests

Qualifications

• Bachelor's degree in Business, Finance, Accounting, or a related field (or equivalent experience)
• 3–7 years of experience in small business or commercial lending, preferably in a community banking environment
• Demonstrated success in business development and portfolio management
• Excellent leadership and customer service skills
• Excellent communication, management, analytical and interpersonal skills
• Extensive knowledge of bank policies and procedures, lending practices and related areas
• Proficient computer skills including use of Microsoft Office Suite

Schedule

This is an in-person position with regular work hours of Monday through Friday, 8am to 5pm.

Benefits

• Competitive salary and benefit package including medical, dental, vision, disability and life insurance coverages
• 401k retirement plan with an employer match
• Professional development opportunities and continuing education support