Commercial Lender

At Community First Bank of Indiana (CFB) we set our intentions to serve and give our best to others each day. Our mission? We partner with you to build a better future. Ready to get started?

As part of our team, you’ll be empowered through the bank’s investment in employee education to continuously grow as a professional. We invite you to join our team of trusted, local bankers that leave our communities saying, “We’ve never been treated like that by a bank.” CFB is proud to have been named a Best Place to Work in Indiana for 8 consecutive years by the Indiana Chamber of Commerce. And, we’re always looking for the best and brightest to join our team

Benefits:

• Health, Dental, Vision Insurance


• Bank Paid Life Insurance


• Paid Short-Term & Long-Term Disability


• Generous Matching 401(k) Retirement Plan


• 4 weeks of Paid Time Off (immediate accrual)


• Access to Earned Wages


• Wellness Program


• Competitive Salary


• Tuition Reimbursement


• Paid Holidays and 3 Float days


• Maternity/Paternity paid leave


• Annual bonus eligibility


• Community Service Projects

Objective: Commercial Lender is responsible for servicing existing and prospective customers producing a variety of commercial loans, while seeking new accounts through calling efforts, marketing, and referrals with excellent verbal and written communication skills. This position represents the bank in the local community through active participation in community affairs and participates in marketing all of the bank’s products and services.

Classification: This is a Full-Time exempt position and reports to the Director of Commercial Banking.

Job Location: Howard County

Essential Functions:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Monitor an existing commercial loan portfolio to ensure proper risk ratings and early identification of potential problems.

• Source, develop and underwrite new construction, interim and permanent financing requests for new and existing customers.


• Maximize bank profitability through appropriate pricing of new loan originations, fee income and selling of all bank products and services.


• Conduct a daily review, approval and disposition of commercial overdrafts.


• Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.


• Support the bank’s strong relationship banking culture through on-going customer contact, quality customer service and superior product knowledge.


• Maintenance and development of an existing portfolio of approximately 100 commercial clients


• The ability to continue to grow loan and deposit relationships with existing customers


• Develop new loan and deposit business with prospective customers


• Evaluate, authorize, recommend and approve various types of commercial and commercial real estate loans


• Consult with borrowers and prospective borrowers to determine and recommend most beneficial structuring of loan requests

Other Duties:
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. 

Competencies

• Communications Proficiency.


• Financial Management.


• Customer/Client Focus.


• Technical Capacity.

Education and Experience:

• Bachelor’s degree in finance, business, economics, or related field preferred.


• Minimum of one to three years of commercial lending experience.


• Strong credit skills and business development abilities


• Strong customer service and sales orientation


• Relationship management skills for key commercial, small business and personal relationships


• Organization & Multi-tasking skills


• Formal credit training

CFB provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.