Commercial Lender

About Us Bank of Frankewing has been a trusted local financial resource, proudly serving our community with integrity and dedication. As a family-oriented institution, we prioritize building long-lasting relationships and creating a supportive work environment for our employees. With a legacy of service and commitment, we continue to provide personalized banking solutions that meet the needs of our customers and offer a great place to grow your career. The Commercial Lender is responsible for developing, managing, and growing a portfolio of commercial loan and deposit relationships for the bank. This role serves as a trusted financial partner to local businesses, providing credit solutions while maintaining strong asset quality and compliance with bank policies, regulatory requirements, and sound lending practices. As a community bank representative, the Commercial Lender is expected to be actively involved in the local market and committed to relationship-based lending. ____________________________________________________________________________________________ Key Responsibilities Develop and manage a portfolio of commercial customers, including owner-occupied real estate, commercial & industrial (C&I), and small business loans. Proactively generate new business through referrals, prospecting, and community involvement. Analyze financial statements, tax returns, cash flow, collateral, and credit risk to structure appropriate loan solutions. Prepare credit memorandums, loan presentations, and recommendations in accordance with loan policy. Maintain strong working knowledge of bank products and cross-sell treasury, deposit, and other bank services. Monitor loan performance, covenant compliance, and overall credit quality of assigned relationships. Conduct annual reviews and renewals; identify and address credit concerns early. Work collaboratively with credit administration, loan operations, and senior management. Ensure all lending activities comply with bank policies, procedures, and regulatory requirements. Represent the bank professionally within the community and business development events. Build long-term relationships with business owners, CPS, attorneys, and community leaders. Participate in local chamber of commerce, civic organizations, and networking groups. Act as a visible ambassador for the bank's mission and values. ____________________________________________________________________________________________ Qualifications Education and Experience Bachelor's degree in Finance, Accounting, Business, or related field preferred. 3 years of Commercial Lending or related banking experience preferred. Strong understanding of commercial credit analysis and underwriting. Skills & Competencies Excellent relationship-building and communication skills. Strong analytical and financial statement analysis abilities. Sound judgment with a conservative, risk-aware lending approach. Ability to manage multiple relationships and priorities effectively. Knowledge of state and federal banking regulations. Proficiency in loan systems, Microsoft Office, and financial spreading software. ____________________________________________________________________________________________ Why Join Us? Be part of a mission-driven organization that makes a difference. Work alongside dynamic leaders and visionary board members. Enjoy opportunities for professional growth and development. Join a trusted, community-oriented institution with a legacy of 103 years in banking. ____________________________________________________________________________________________ Ready to Join Our Team? If you're ready to take on this pivotal role and make an impact, we would love to hear from you! Please send your resume and a brief cover letter explaining why you are the

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