Commercial Lender - Banking

We're committed to bringing passion and customer focus to the business.
Commercial Lender
If you're looking for a career where purpose meets opportunity, and where your contributions truly make a difference, Wilson Bank & Trust is the place for you.
Working at Wilson Bank & Trust means joining a purpose-driven organization where community impact and professional growth go hand in hand. The commitment to serving communities is matched by dedication to supporting employees-through recognition, rewards, and opportunities to grow. Imagine sitting across from a family ready to buy their first home or a business owner planning to expand. In a Lending role at Wilson Bank & Trust, you're more than a banker-you're a trusted friend who helps turn dreams into reality. You'll build relationships that go beyond transactions, becoming the person customers rely on for clarity and confidence in complex financial decisions. Over time, you'll see those dreams come to life-homes filled with laughter, businesses thriving in your community-and know you played a part in it. It's about being a cornerstone in your community, offering expertise and empathy while partnering with teams across the bank to deliver solutions that matter. The Commercial Lender II meets with prospects and customers to develop and retain commercial business, especially in a designated region. With a focus on lending, this position retains and deepens existing relationships and develops new business through business calls, as well as collaboration with internal business partners to offer a range of banking products and services. The Commercial Lender II reports to the Regional President or Market Leader and provides excellent service and support to customers and teammates while demonstrating the Company's values and supporting the mission.
Develop and retain commercial business, especially in assigned designated region, meeting with prospects and customers of various size and complexity

Make business calls independently and also in collaboration with internal business partners to offer a range of banking products and services
Schedule and coordinate meetings with customers and prospects. Serve as point of contact for new and existing customers.
Receive loan applications and related documentation required at application

~ Conduct preliminary credit analysis, review customer financial statements, and make recommendation to management

Prepare loan proposals and credit memos, negotiating terms such as loan repayment methods and collateral specifications
Develop and maintain interest rate structure consistent with bank policies and procedures and competitive with current market rates
Responsible for monitoring construction draws, clearing exceptions, and gathering financial documentation from customers and internal teams
Communicate with prospects and borrowers on the status of credit decisions
Maintain collection efforts to minimize past-due accounts
Attend office and bank meetings, as scheduled, providing input and updates on commercial lending activities as required

establishing personal networks; Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program
Attend training and participate in outside community activities, as requested and/or required
Bachelor's degree in business, finance, or related field

• 5 years of experience in commercial lending
• Strong knowledge of financial principles, loan underwriting, lending regulations, credit analysis, and contracts with individual or corporate borrowers
• Understanding of the loan-funding process and use of general ledger accounts for funding
• Ability to work on multiple projects simultaneously
• Demonstrate flexible and efficient time management and ability to prioritize workload
• That's why we offer an all-inclusive total compensation package, including generous ATO, personal days, sick time, along with unique offerings such as the ability to combine accrued time with short-term disability for 100% pay, and more. Our Employee Assistance Program and Employee Care Fund provide additional support when you need it most. We celebrate achievements through peer-nominated award ceremonies and an interactive digital rewards platform, ensuring employees' contributions are recognized companywide.

Whether partnering with local schools to teach the next generation hands-on financial life lessons through School Bank, exploring diverse career paths through our Banker Academy Program, or investing in yourself through our Employee Stock Purchase program, you'll find opportunities tailored to your interests and ambitions while working for WBT. We invest heavily in development through mentorships, workshops, banking schools, and certifications because when our people grow, our customers thrive.