Commercial Lender - Jacksonville

Job Description

Job Description

We are changing FINANCE to finance CHANGE!

At  Climate First Bank , we're redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services—including solar, residential, commercial, ESOP Banking, Structured Finance and SBA loans—all designed to power a better future. We're proud to be a Certified B Corporation, a member of 1% for the Planet, and part of the Global Alliance for Banking on Values (GABV), reflecting our deep commitment to sustainability, transparency, and ethical banking.

With branches in  St. Petersburg, Winter Park, Mount Dora , Downtown Orlando and a growing digital presence , we're proving that banking can be a force for good. We don't just support environmental and social causes—we're built on them.

Under our Holding Company,  Climate First Bancorp , we are also powered by OneEthos.  OneEthos operates at the intersection of fintech and traditional banking to expand access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it equips Community Banks, Credit Unions, CDFIs, and Green Banks with ethical lending tools—especially in climate finance and solar lending.

We're seeking  driven, mission-aligned individuals ready to make an impact. If you're passionate about sustainability, thrive in a fast-paced, results driven environment, and want to be part of something bigger, you will feel right at home.

Our team is one of  goal-setters, go-getters, problem solvers, thought leaders, and changemakers . We celebrate wins, tackle challenges head-on, and push boundaries. Fueled by purpose, we thrive where perseverance and passion turn ambitious goals into reality.

At Climate First Bank, we're investing in your future. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance. Please note that benefit eligibility varies by employment status and that benefits for part-time employees may differ from those listed below.

Compensation  —  In addition to the base salary, this position may be eligible for an annual bonus, incentives and equity. Actual compensation is based on industry salary ranges, internal salary structures, experience, skills and other job-related factors.

Health Coverage — 100% employer-paid for employees; employer contribution for dependents by Us

• Medical, Dental & Vision Insurance 
• Health Savings Account (HSA) 
• Free Telemedicine access via Teladoc

Financial Wellness & Wealth Building

• 401(k) with 6% Employer Match —No Vesting Period.
• Employee Stock Options 
• Exclusive Employee Banking Perks 
• 0% Financing for Employee Solar Loans 
• Employee Only Mortgage Product  with exclusive interest rates and terms.
• 0% Financing for Eligible Electric Vehicles (EVs) 
• Referral Incentives 

Generous Paid Time Off

• 2–4 Weeks of Vacation based on officer level plus additional tenure-based time.
• 64 Hours of Paid Sick Time  for all full-time employees.

Protection & Peace of Mind

• Company-Paid Life Insurance 
• Short- & Long-Term Disability Insurance
• Voluntary Life, Accident & Critical Illness Coverage  
• Employee Assistance Program (EAP)  with free counseling, legal, and financial services.

Now Hiring: Commercial Banker

We're seeking a  Commercial Banker to work directly with our Executive Chairman and lead his "opportunities" team. As the leader of that team, you will skillfully leverage and develop the Executive Chairman's connections while also building and managing your own portfolio. You will be responsible for meeting and exceeding budgeted deposit, fee income, and commercial lending goals. This will be accomplished through providing superior customer service, cross-selling of products and services, development of new business opportunities, structuring and closing of commercial loans and the maintenance and servicing of the commercial loan portfolio. This role is positioned to service the Jacksonville market .

What You'll Contribute:

Relationship Management, Business Development, & Sales Performance

• Proactively identify and solicit new loan opportunities.
• Achieve sales meeting and sales call goals.
• Cross-sell all bank products and services while developing and maintaining whole customer relationships.
• Meet deposit and DDA growth goals.
• Develop referral relationships with realtors, CPA's, builders, and other sources.
• Actively represent Climate First Bank and its products and services in the community.
• Attend networking events.

Commercial Loan Administration, Portfolio Management, & Credit

• Solicit, negotiate, and coordinate loan closings.
• Monitor credit quality of the loan portfolio to ensure proper credit grade application and risk identification for each loan.
• Consistently monitor portfolio health including identification and adjustment of proper credit grades and associated risk of each loan since loan inception.
• Monitor past-due loans and coordinate collection efforts.
• Report on all loans more than 10 days past-due to the loan committee.
• Evaluate, authorize, and recommend approval of commercial loans and lines of credit.

Client Service, Advisory & Community Impact

• Provision of superior customer service, including explanation of the loan process and answering questions, advising borrowers on financial status and methods of payment.
• Contribute to achievement of relevant sustainability and community goals including Community Reinvestment Act and multi-cultural lending goals.

Champion Our Mission, Protect What Matters

• Adopt a commitment to environmental, social, economic, and racial justice.
• Stay informed of applicable regulatory requirements and complete all mandatory compliance and IT training.
• Pursue and demonstrate an understanding of established Bank policies, procedures, and regulations.
• Question suspicious activity and collaborate closely with the respective department(s) to help prevent fraudulent activity.

What Makes a Stand-Out Candidate:

Experience & Education

• Minimum of a bachelor's degree, ideally in a business related field.
• 5+ years of prior commercial banking experience, especially CRE and C & I.
• Existing portfolio and network in Central Florida.
• Experience in a fast-growing banking environment preferred.
• Supervisory experience.

Entrepreneurial Self-Starter - You take charge of your work product and take pride in delivering consistently great and measurable results. You have a sales-oriented mindset with an unwavering commitment to the highest level of customer service.  A high-pace and high-expectation environment excites you and you can't wait to push yourself to new professional heights in a company that rewards high performance.

Organization & Efficiency- You manage your time like a pro and stay focused under pressure, You love a good system but also adapt to changing routines. You're a master note-taker and checklist fanatic and stay on top of things with ease and consistency.

Master Communicator- You communicate with confidence, precision, and professionalism. You listen deeply and respond thoughtfully and are able to engage efficiently and tactfully with stakeholders at all levels of the organization. Additionally, you approach customer interactions with a customer centric mindset and consultative sales approach. Lastly, you build lasting relationships through transparency, honesty and reliability.

Banking & Fintech Acumen - You are highly educated in financial products and services, applicable regulations and laws. You possess strong overall business acumen and the ability to interpret financial reports and legal documents, ideally with a background in credit.

Tech-Forward and Analytical Thinking - You learn new tools quickly, are excited by innovation and leverage technology to optimize your work product. You are familiar with CRM tools, especially SalesForce.

Commitment to Being a Team Player - You lift others up, share ideas, and bring positive energy to everything you do. You know what it takes to operate as a part of a larger team and cherish opportunities to contribute to the big picture. You're dependable, communicate clearly and always happy to lend a hand where needed.

The Work Environment:

• Remote role within Jacksonville.
• Occasional U.S. travel for company events or networking sessions.
• Tobacco-Free employer. All employees must affirm to be non-smokers or affirm commitment to cessation within 90-days of offer acceptance.
• Sustained standing and sitting, frequent communication (speaking and listening) and use of PC, including typing or sustained attention to monitor, occasional lifting up to 20 lbs

Pay Transparency

The base pay for this role starts at $140,000 and is commensurate based on experience required in the role.

Equal Opportunity Statement:At Climate First Bank we truly believe that our people are our strength and the diverse talents they bring to our workforce are directly linked to our success. Diversity and inclusion are at the core of our values and mission. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.Equal Opportunity Employer/Disability/VeteransE -Verify Statement: This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can begin to resolve the issue before the employer can take any action against you, including terminating your employment. Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9