Commercial Loan Officer

At First National Bank, we’re committed to building strong relationships and helping our customers succeed. As a Commercial Loan Officer, you will play a key role in supporting and growing our commercial lending portfolio while delivering exceptional service to our business clients. This position offers the opportunity to contribute directly to the Bank’s growth through relationship development, sound credit decisions, and community involvement. 

 The Commercial Loan Officer is responsible for managing and expanding a portfolio of commercial clients, meeting annual production goals, and supporting the Bank’s Corporate Enterprise Goals (CEGs). This role combines credit analysis, relationship management, and business development, with a focus on delivering tailored financial solutions and maintaining high asset quality standards. 

Qualifications

• Bachelor’s degree in Business Administration, Finance, Accounting, or related field preferred (or equivalent experience) 
• 3–5 years of commercial lending experience preferred 
• Proven experience in customer relationship management and business development 
• Strong analytical, writing, and presentation skills 
• Ability to work independently and manage multiple priorities 
• Solid understanding of credit analysis, underwriting, and regulatory compliance

Key Responsibilities

• Manage and grow a portfolio of commercial loan relationships 
• Interview loan applicants and assess financial needs 
• Analyze credit histories, financial statements, and related data 
• Underwrite loans or coordinate underwriting in accordance with bank policies 
• Prepare and present complete, well-supported credit memorandums 
• Approve or recommend loan decisions to appropriate authority levels 
• Oversee loan documentation, closing, and funding processes 
• Monitor portfolio performance to ensure asset quality objectives are met 
• Maintain accurate and compliant loan documentation per regulatory requirements 
• Provide ongoing servicing and oversight of existing loans 
• Contribute to management reporting on loan portfolio performance 
• Serve as a trusted advisor to customers on financial and banking matters 
• Cross-sell appropriate loan and deposit products 
• Refer clients to wealth management and investment services as appropriate 
• Resolve customer concerns in a timely and professional manner 
• Partner with Business Development Officers to cultivate referral sources and new opportunities 
• Participate in regional meetings, sales initiatives, and bank projects 
• Represent the Bank within the community and at networking events 
• Provide notary and signature guarantee services for customers