Commercial Loan Officer

At PremierBank, relationships are at the heart of everything we do. As we expand into new markets, we’re looking for a relationship-driven Commercial Loan Officer in the Janesville/Beloit area to join us in helping local businesses grow, strengthening community connections, and building a thriving portfolio of satisfied customers. This is a unique opportunity to be part of our growth story, make a meaningful impact, and shape the future of our presence in these vibrant communities. 

Key Responsibilities 

• Proactively prospect new business relationships across all areas of the bank through referrals, networking, outreach efforts, and other strategic sources.
• Develop, manage, and service a profitable commercial loan portfolio while maintaining strong credit quality and minimizing risk to the bank and its shareholders.
• Analyze borrowers’ financial statements, credit histories, and collateral to determine creditworthiness; recommend or approve commercial loan requests within lending authority.
• Utilize external programs and resources to mitigate risk and ensure solutions align with the customer’s best interests.
• Identify and initiate cross-selling opportunities by reviewing clients’ full banking relationships and collaborating with internal partners.
• Maintain consistent and meaningful contact with customers through regular meetings and ongoing communication.
• Monitor and resolve past dues, overdrafts, insurance exceptions, and financial covenant exceptions in a timely manner.
• Own credit quality for assigned relationships, including financial analysis, covenant monitoring, and risk grading in accordance with bank policy.
• Remain active in the community and local organizations to strengthen PremierBank’s presence and reputation.
• Demonstrate the ability to grow loan and deposit relationships while maintaining strong asset quality and customer satisfaction.

  Ideal Candidates will be relationship focused with a drive for success. In addition, candidates must also possess:

• Associate’s degree in Finance, Business Administration, Accounting, or a related field required (Bachelor’s degree preferred); and/or
• Five or more years of experience in commercial lending, underwriting, banking, sales, or a related field.
• Strong understanding of commercial loan documentation, regulations, and credit principles.
• A relationship-driven mindset with a proven ability to build and maintain customer relationships.
• Results-oriented approach with a commitment to quality, accuracy, and sound judgment.
• Excellent interpersonal and communication skills.
• Ability to work independently while collaborating with internal partners.
• Professional, positive representation of the bank in all interactions.
• Strong financial and analytical skills with attention to detail.
• Commitment to confidentiality and ethical banking practices.
• Willingness to participate in community events and occasional evening or weekend activities.