Commercial Loan Officer

First Federal Bank of Kansas City is one of the largest mutually owned banks in the Midwest and has been a strong banking and lending partner to families in Kansas and Missouri for decades. We are a community-oriented, culture-focused, progress-driven Family on a mission to help people, businesses and communities build a better financial future.

At First Federal, you’ll be supported by diverse, talented, energetic individuals moving toward a common vision of prosperity and a home for all. You’ll have boundless opportunities for growth – whether it’s personal or professional development to reach your career goals, company events to strengthen your connections, or volunteer work to champion our community partners.

Your success is our success. When our employees feel valued, our customers feel valued, and our community grows.

Hear what our team members have to say: https://www.youtube.com/watch?v=GNPKmutbydo

Are you a relationship focused lender who enjoys helping local businesses succeed? Do you bring both strong credit expertise and a passion for delivering exceptional client service? We're looking for an experienced Commercial Loan Officer to join our team and play a key role in growing and managing our commercial lending portfolio while supporting the financial success of our local business community.

WHAT YOU'LL DO
As a Commercial Loan Officer, you'll balance business development, credit analysis, and portfolio management while serving as a trusted advisor to your clients.

Relationship & Business Development

• Build and manage strong relationships with commercial clients and prospects.
• Identify opportunities for commercial loans, deposits, and treasury management services.
• Actively network and represent the bank in the local community and at industry events.
• Partner with internal teams to deliver comprehensive banking solutions.

Lending & Credit Management

• Interview loan applicants and assess creditworthiness through detail financial analysis.
• Structure, propose, and recommend loan terms aligned with client needs and bank guidelines.
• Prepare and support commercial loan approvals in collaboration with credit management.
• Ensure all loan documentation is accurate and compliant with policies and regulations.

Portfolio Oversight & Risk Management

• Manage an assigned commercial loan portfolio to ensure quality, compliance, and profitability.
• Monitor covenant compliance, financial reporting, and annual reviews.
• Identify potential credit risks early and recommend solutions.
• Participate in collection efforts to minimize delinquency.
• Comply with all applicable banking laws and regulations, including but not limited to, the Bank Secrecy Act, USA Patriot Act, and related anti-money laundering statutes; and federal consumer protection legislation and regulations.

Collaboration & Cross-Selling

• Coordinate commercial banking activities across the banking center network.
• Partner with business lines such as treasury management, mortgage lending, and affinity banking to meet client needs.
• Participate in joint calling efforts to deepen relationships and expand services.

WHAT WE'RE LOOKING FOR

• 2 - 5 years of experience in commercial lending, banking, and/or commercial real estate
• Strong background in credit analysis, underwriting, and portfolio management preferred
• Bachelor's degree in Business, Finance, or a related field (preferred)
• Excellent communication, presentation, and interpersonal skills
• High level of discretion, professionalism, and integrity
• Ability to thrive in a fast-paced environment with shifting priorities
• A collaborative mindset with the confidence to work independently

WHAT SETS YOU APART

• Entrepreneurial spirit with a passion for business development
• Strong analytical and problem-solving skills
• Positive energy and genuine enthusiasm for working with people
• Ability to influence, motivate, and collaborate across teams
• Experience presenting ideas and financial concepts clearly to clients and colleagues

WHY JOIN FFBKC?

• Be part of a true community bank where your work directly impacts local businesses
• A culture grounded in mission, vision, and values with a focus on exceptional customer experience
• Opportunity to build and grow you own portfolio with strong internal support
• Collaborative, team-oriented environment with leadership visibility
• Comprehensive benefits package
• Hybrid work eligibility (Tuesday, Wednesday, Thursday in office; Mondays and Fridays remote)

Note: The purpose of this document is to provide a general summary of essential responsibilities and requirements for the position and is not meant as an exhaustive list.

First Federal actively seeks to recruit and hire protected veterans.

First Federal Bank is committed to providing equal employment opportunities to all people without regard to race, color, religion, national origin, ancestry, marital status, veteran status, age, disability, pregnancy, genetic information, citizenship status, sex, sexual orientation, gender identity, or any other legally protected category.