Commercial Loan Officer

Commercial Loan OfficerLocations: Frederick County, MDWhere Experienced Commercial Lenders Build Lasting Client Relationships.For more than 167 years, ACNB Bank has been a locally rooted, relationship-driven community bank—and we're still growing. We don't chase transactions. We build partnerships that help local businesses thrive.We're looking for an experienced Commercial Loan Officer who wants more than a book of loans—someone who wants ownership of relationships, influence in the market, and a long-term career with a bank that genuinely values community banking done right.If you're a commercial lender who enjoys calling on businesses, structuring smart credit solutions, and being known as a trusted advisor—not just a salesperson—this could be a defining next step in your career.The Opportunity (What You'll Accomplish)In this role, you'll be trusted to build, grow, and manage a profitable commercial loan portfolio within our Hunt Valley, Frederick and/or Carroll County markets while deepening relationships across the bank.Within your first 12–24 months, success looks like:Developing and managing a strong portfolio of commercial relationships that consistently meets or exceeds loan and fee income goals.Becoming a recognized relationship lender in the local business community through proactive calling, referrals, and community involvement.Serving as the primary financial partner for your clients—identifying credit needs and introducing Treasury Management, Insurance, Wealth Management, and Mortgage solutions.Structuring and recommending sound credit requests by analyzing financial statements, cash flow, and risk.Exercising lending authority confidently and responsibly within bank policy.Collaborating with internal partners to deliver seamless, high-touch service to commercial customers.What Sets You Up for SuccessYou're likely to be successful here if you bring:5+ years of commercial lending experience, including portfolio management and new business development.A proven ability to win, retain, and grow commercial relationships through consultative selling.Strong credit fundamentals, including experience analyzing financial statements and loan structures.Working knowledge of commercial lending policies, procedures, and documentation.Confidence making recommendations and decisions using sound judgment.Strong communication and interpersonal skills—you're comfortable in boardrooms and community meetings alike.Active involvement (or a desire to be involved) in local civic and community organizations.Comfort with standard banking technology and Microsoft Office tools.Preferred:Bachelor's degree in Business, Finance, or a related field.Why You'll Love This RoleACNB is a well-established community bank with deep local credibility and decision-making close to the market.The autonomy to manage your portfolio like a business—without unnecessary bureaucracy.Competitive incentive plan tied to performance. This position typically pays $120,000 - 150,000 annual base salary, but may be higher based on previous experience.Comprehensive benefits including health, dental, vision, and a 401(k) with up to 4% employer match.Generous PTO plus 12 paid bank holidays.Ongoing professional development and long-term career growth opportunities.If you're ready to build meaningful commercial relationships, grow your career, and make a visible impact in Northern Maryland—we should talk.