Commercial Loan Officer

ABOUT CENTRAL BANK
Central Bank is a community-focused financial institution dedicated to serving the individuals and businesses on the communities we serve. We pride ourselves on local decision-making, personalized service, and building long-term relationships that support the growth of our communities. Our team values collaboration, accountability, and delivering exceptional customer service.

POSITION SUMMARY
As a Commercial Loan Officer, you will build and manage relationships with business clients by providing tailored lending solutions. You'll play a key role in growing our commercial portfolio while helping local businesses succeed. This role is ideal for someone who enjoys relationship-building, financial problem-solving, and making an impact in the community.


WHAT YOU'LL DO
Build and manage a portfolio of commercial loan relationships, including business, real estate, and construction lending
Develop new business through networking, referrals, and community involvement
Meet with clients to understand their financial needs and recommend lending and banking solutions
Analyze financial statements, credit information, and collateral to evaluate loan opportunities
Structure and present loan requests with clear recommendations and supporting analysis
Monitor existing loans to ensure compliance, strong credit quality, and client satisfaction
Identify potential credit concerns and collaborate with leadership to develop solutions
Deliver responsive, high-quality service to clients and internal partners
Identify opportunities to deepen client relationships by making referrals to other lines of business, including treasury management, deposit products, and other bank services
Actively support deposit growth by developing and maintaining strong operating account relationships with commercial clients
Comply with all applicable banking regulations, including Bank Secrecy Act requirements and information security standards


ADDITIONAL INFORMATION
This position has no direct supervisory responsibilities but may mentor junior team members.
Proficiency in Microsoft Office (Word, Excel, Outlook) required.
Working knowledge of commercial lending systems and processes preferred.

WHAT YOU'LL BRING
Proven ability to build and maintain strong business relationships
Solid understanding of financial statements and credit analysis
Experience with business development and networking
Strong communication skills and professional presence
Ability to manage multiple priorities and work independently
High level of organization and attention to detail


EDUCATION AND EXPERIENCE
Bachelor's degree in finance, business, accounting, or related field preferred 3-7 years of commercial lending or related financial services experience
Equivalent combinations of education and experience will be considered

ADDITIONAL REQUIREMENTS
Regular and reliable attendance and punctuality are required for this position. Must be able to perform the essential functions of this position with or without reasonable accommodation. *Complete job description available upon request.