Position Name: Commercial Loan Officer
Manager: First Vice President, Chief Lending Officer
FLSA Classification: Exempt
Status: Full-time
Location: Stark County, Massillon Financial Center
Hours: Generally, Monday through Friday; occasional evenings or weekends based on customer and community needs
Job Summary:
The Commercial Loan Officer develops and manages business banking relationships throughout Stark County, serving as a trusted financial advisor to local businesses. This role identifies customer needs, structures tailored lending solutions, manages a commercial loan portfolio, and contributes to the continued growth and success of First Federal Community Bank.
This is a unique opportunity to help establish and expand First Federal's presence in the Massillon market. The successful candidate will play a key role in building relationships, developing new business opportunities, and strengthening First Federal's reputation as a community-focused financial partner throughout Stark County.
The ideal candidate combines strong credit and financial analysis skills with a passion for relationship banking, business development, and community involvement. As a trusted advisor, the Commercial Loan Officer helps business owners achieve their goals through personalized financial solutions, proactive relationship management, and responsive service. Through collaboration, local decision-making, and visible engagement within the Massillon and Stark County business community, this individual will create value for customers while advancing First Federal's commitment to Invest in Our Community.
Core Competencies:
- Innovative Problem Solver
- Results-Oriented
- Effective Communicator and Active Listener
- Self-Motivated
- Relationship Builder
- Collaborative Team Member
- Community-Minded
- Customer Advocate
Specific Responsibilities:
- Develops relationships with prospective business customers through outreach efforts and referral partnerships with CPAs, attorneys, insurance agents, and other professional partners
- Builds, retains, and expands strong, long-term relationships with First Federal business customers through exceptional service and proactive relationship management
- Analyzes applicants' overall creditworthiness, financial condition, and ability to repay.
- Negotiates credit terms, including costs, repayment methods, collateral requirements, and interest-rate structures, in accordance with First Federal policies and procedures
- Evaluates commercial loan requests and presents recommendations to the appropriate loan committees and/or Board of Directors
- Actively manages a commercial loan portfolio, including ongoing customer contact, annual reviews, portfolio monitoring, and collection activities as needed.
- Identifies opportunities to connect customers with additional bank products and services based on their needs
- Collaborates with Financial Center Managers and Cash Management Advisors on joint customer and prospect calls
- Serves as a key ambassador for First Federal in the Massillon market, helping establish and grow the Bank's presence through business development, relationship building, community engagement, and professional networking
- Develops and executes strategies to generate new business opportunities and expand First Federal's commercial banking footprint throughout Stark County
- Maintains a visible presence in the Massillon and Stark County market by participating in community events, service activities, business organizations, and networking opportunities that strengthen relationships, increase brand awareness, and support growth
- Represents First Federal's commitment to Invest in Our Community through active involvement in organizations and initiatives that support local businesses and communities
- Performs other duties as assigned by management
Qualifications:
- Bachelor’s degree in finance, accounting, business, or a related field, or an equivalent combination of education and banking experience
- Three or more years of experience in commercial lending, credit analysis, business banking, or a related field preferred
- Strong knowledge of lending services and the ability to analyze financial information
- Strong relationship-management, communication, negotiation, and business-development skills
- Strong knowledge of and established relationships within the Massillon and Stark County business community preferred
- Detail-oriented with strong organizational skills
- Proficiency with Microsoft Office and relevant banking or financial-analysis systems
- Willingness to meet customer needs outside traditional business hours, including occasional evenings and weekends
Why Choose First Federal Community Bank?
- Make an Impact: Join our growing Massillon team and play an important role in expanding First Federal's presence in Stark County while helping shape long-term customer and community relationships
- Local Decision Making: Work for a community bank where decisions are made locally and relationships matter
- Community Focus: Be part of an organization committed to Invest in Our Community through local partnerships, volunteerism, and meaningful community involvement
- Professional Growth: Benefit from a dedicated training department at our Dover headquarters, along with on-the-job learning, development opportunities, and career advancement potential.
- Work-Life Balance: Enjoy a primarily Monday-through-Friday schedule, with occasional availability outside normal business hours to support customers and community events.
- Paid Holidays: Receive up to 11 paid holidays each year to enjoy time with family and friends.
- Paid Time Off: Generous paid time off is available after 90 days of employment. Employees also receive paid volunteer time to support nonprofit organizations that are important to them.
- Comprehensive Benefits: Medical, dental, and vision insurance; employer HSA contributions; 401(k) with employer match and Safe Harbor contributions; group life and disability insurance; and an Employee Assistance Program with access to mental health resources.*
- Great Place to Work Perks: Birthday and milestone recognition, an annual wellness fair, and access to the on-site fitness center in North Dover.
*Plan and benefit eligibility requirements apply. FOLLOW & CONNECT WITH US:
https://www.facebook.com/firstfederalcommunitybank/
https://www.instagram.com/firstfederalcommunitybank/
https://www.linkedin.com/company/first-federal-community-bank-oh/ First Federal Community Bank is an Equal Opportunity Employer
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