Commercial Officer

Are you passionate about building relationships and helping others? At First National Bank, we pride ourselves on extraordinary customer experience, and that wouldn't be possible without an extraordinary team! We are seeking a seasoned Commercial Officer with a strong background in sales, relationship management, and customer service to join our community-focused Bank in the Charlottesville Market. This role is ideal for a self-starter with strong credit skills, a passion for relationship management and community development, and a drive to exceed goals.

As a Commercial Officer, you will be responsible for maintaining, growing, and servicing a diverse commercial portfolio. You’ll lead relationship strategy, drive new business development, and deliver tailored financial solutions that support your clients’ growth.

What will you be doing in this role?

• Portfolio Management: Maintain and monitor an existing portfolio of commercial clients, ensuring high levels of client satisfaction and portfolio performance.
• Business Development: Identify and pursue new business opportunities through networking, referrals, and community involvement. Develop tailored financial solutions to meet client needs.
• Client Relationship Management: Serve as the primary point of contact for commercial clients. Provide exceptional service and strategic financial guidance to help clients grow and succeed.
• Credit Analysis & Underwriting: Collaborate with credit analysts to assess creditworthiness, structure loans, and prepare credit presentations.
• Cross-Selling: Promote and cross-sell bank products and services including treasury management, mortgage, and investments.
• Compliance & Risk Management: Ensure all activities comply with regulatory requirements and internal policies. Monitor portfolio risk and take proactive steps to mitigate issues.
• Community Engagement: Represent the bank at local events and within business associations to enhance visibility and build relationships.

What’s in it for YOU?

• Competitive compensation and performance-based incentives
• Pension Plan and 401(k) Match Program
• Comprehensive medical, dental, vision and life insurance benefits
• Generous Paid Time Off (PTO) and 11 paid holidays
• Supportive, community-oriented work environment
• Opportunities for professional development and career advancement

What will you need?

• Bachelor's degree in Accounting, Finance or other related field of study. AA or AS degree with six or more years of relevant lending experience or ten or more years of relevant experience with no degree may be substituted for bachelor’s degree. Formal Commercial Credit and/or Lending training preferred
• Minimum of five (5) years of relatable experience in commercial banking or business lending
• Proven track record in sales, portfolio growth, and client retention
• Strong credit analysis and underwriting skills
• Excellent interpersonal, communication, and negotiation skills
• Deep understanding of local market dynamics and business needs
• Proficiency in banking software and CRM systems

Physical/Environmental Demands

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable qualified individuals with disabilities to perform the essential functions
• This position works in a normal office environment
• While performing the duties of this job, the employee is regularly required to talk and hear. The employee is frequently required to stand, walk and sit. The employee is occasionally required to reach with hands and arms. The employee may occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision

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