Senior Commercial Loan Officer III

Senior Commercial Loan Officer

If you are someone wanting to make a difference in the communities that we serve and join the strongest large bank in Kansas City, then Security Bank of Kansas City has a career for you. In addition to our compensation and benefits packages, Security Bank offers full-time employees 11 paid holidays, rewarding and challenging growth opportunities, generous paid time off and discounted banking services.

Position Summary

The Senior Commercial Loan Officer is responsible for originating, structuring, and managing complex commercial lending relationships, with a strong focus on Commercial & Industrial (C&I) and Commercial Real Estate (CRE) lending. This role plays a key leadership position within the Commercial Lending team, emphasizing relationship development, portfolio growth, sound credit judgment, and adherence to regulatory and policy standards. The ideal candidate brings deep commercial credit experience, a proven production track record, and the ability to independently manage sophisticated lending relationships.

Essential Duties & Responsibilities

The duties include but are not limited to the following:

• Originate and grow new C&I and CRE relationships through strategic business development efforts
• Maintain strong loan production, generally exceeding $20MM+ in annual new originations
• Structure and present complex commercial credit requests in compliance with bank credit policy
• Independently manage a portfolio of commercial loan relationships, including higher-risk and more complex credits
• Monitor borrower performance and proactively identify emerging credit risks
• Partner with credit administration and portfolio management to support sound underwriting and ongoing credit quality
• Prepare and present credit memorandums, loan proposals, and approval packages
• Ensure all loans meet regulatory, compliance, documentation, and policy requirements
• Serve as a senior representative of the bank in the community and business development activities
• Informally mentor or support junior lenders, as appropriate

Required Experience & Skills

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• 810 years of commercial lending experience with significant C&I and CRE exposure
• Demonstrated history of originating $20MM+ in annual new loan production
• Strong expertise in commercial credit analysis, underwriting, and loan structuring
• Proven ability to manage complex commercial relationships independently
• Strong communication, negotiation, and relationship-building skills

Valued, but not required skills & experience

• Bachelor's degree in Business, Finance, Accounting, or a related field
• 10+ years of commercial lending experience
• Prior leadership experience, including leading, coaching, or mentoring junior lenders or lending teams
• Experience with complex, multi-entity, or syndicated credit structures

Physical Demands & Work Environment

The physical demands and work environmental characteristics described here are representative of those that must be met by the employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• Physical Demands: While performing the duties of this job, the employee is regularly required to walk, talk, see and hear. The general level of physical activity would be defined as sedentary. The employee is occasionally required to stand and frequently required to sit; use hands to finger, handle, or feel; reach with hands and arms. Some movements of the hands, arms, and wrists may involve repetitive motions. Specific vision abilities required by this job include close vision, distance vision, color vision, depth perception, and ability to adjust focus. Regular attendance and punctuality are necessary and essential functions.
• Cognitive/Mental Requirements: While performing the duties of this job, the employee is required to comprehend and use basic language, either written or spoken, to communicate information and ideas, both simple and complex. The employee is also required to use logic to define problems, collect information, establish facts, draw valid conclusions, interpret information and deal with abstract variables for unique or unfamiliar situations; also requires use of problem-solving skills including formulating and applying appropriate course of action for routine or familiar situations. The employee may be required to perform numerical operations including basic counting, adding, subtracting, multiplying and dividing or more complex quantitative calculations.
• Work Environment: While performing the duties of this job, the employee is inside a central heat and air-conditioned office building. The noise level in the work environment is minimal.

Statements included in this job description are intended to describe the general nature and level of work performed by the employee(s) assigned to this job. The statements are not intended to be construed as an exhaustive list of responsibilities, duties and skills required.

Accommodations will be made to allow for meeting requirements when it does not place an "undue hardship" on Security Bank of Kansas City.

Security Bank of Kansas City is an Equal Opportunity / Affirmative Action employer.