Commercial Banking Officer

Job TitleResponsible for identifying new business opportunities, analyzing creditworthiness, and managing a diverse portfolio of business loans.Essential Functions & Responsibilities:Business Development: Proactively identify and pursue new business clients through networking, referrals, and cold calling to achieve production goals.Relationship Management: Act as the primary contact for a portfolio of clients, providing tailored solutions and cross-selling bank products like treasury management and deposit accounts.Loan Structuring: Interview applicants to understand their financial needs and structure loan proposals (e.g., CRE, C&I, or SBA loans) that align with both client goals and bank risk policies.Community Presence: Represent the bank at civic events and through community involvement and maintain a strong "Center of Influence" (COI) network of CPAs, attorneys, and real estate brokers.Portfolio Oversight: Monitor the ongoing financial health of borrowers, manage loan renewals, and ensure all credit files remain current and compliant.Requirements:Experience:Minimum of five years previous banking experience required – commercial lending or real estate lending experience required.Education:High school diploma or equivalent requiredBachelor degree in Business or Finance requiredSkills & Abilities:Sales Acumen: A proven track record in "prospecting" for new business and closing complex deals.Credit Knowledge: Ability to perform basic credit analysis and interpret financial statements to assess risk.Communication: Strong interpersonal and negotiation skills to explain complex terms to business ownersCompetencies: Adherence to CoreFirst Values: Respect, Communication, Integrity, Initiative, and Accountability. A secondary focus on internal and external Customers, Compliance, Ethics, Perseverance, and Time Management is also essential.Physical Requirements:The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.While performing the duties of this job, the employee is regularly required to talk or hear. The employee is frequently required to sit, stand, and walk. Some light physical effort required.Travel:Travel is primarily local during the business day, although some local evening and weekend travel may be expected.Work Environment:This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, copy machines, filing cabinets, and fax machines.Other:Applicants must pass a drug screen and background checksInternal applicants must meet the minimum requirements of their current job and submit a resume via the employee portalCoreFirst Employment Practices: CoreFirst provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, CoreFirst Bank & Trust complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.