Commercial Loan Officer

Freedom Bank is seeking an experienced and motivated Commercial Loan Officer to join our team in beautiful Northwest Montana. This is an excellent opportunity for a proven lender to bring their experience to a thriving community bank while enjoying an exceptional quality of life. About the Role The ideal candidate will have a strong background in commercial lending, a demonstrated ability to develop and manage client relationships, and a commitment to sound credit practices. This individual will play a key role in growing and maintaining a diverse loan portfolio while contributing to the bank's continued success. We are particularly interested in candidates who bring fresh perspective and innovative thinking to community banking.

Core Responsibilities Portfolio Management:

Monitor the ongoing financial health of an existing loan portfolio, ensuring timely renewals and adherence to loan covenants.

Business Development & Retention:

Proactively solicit new commercial loan and deposit business with a relationship approach to banking, focusing on long-term partnerships rather than one-off transactions.

Underwriting & Loan Structuring:

Evaluate complex financial statements and tax returns to assess creditworthiness. Structure loans (CRE, C&I, SBA) with appropriate terms, pricing, and collateral to mitigate risk.

Credit Committee Presentations:

Prepare and present comprehensive credit memos to the Bank's Credit Committee for approval.

Community Representation:

Function as a visible brand ambassador by participating in local civic organizations, boards, and community events. Qualifications Minimum of 5 years of commercial lending experience Proven record of business development and portfolio management Strong credit analysis and underwriting skills Self-motivated, innovative, and driven with a solid work ethic Excellent interpersonal and communication skills Experience with banking technology, systems, or process improvement is a plus Proficiency in financial analysis software, CRM tools, and Microsoft Office (specifically Excel for cash flow modeling). Willingness to relocate and become part of the local community Education A bachelor's degree in Finance, Accounting, Business Administration, or a related field is preferred, but not required. Completion of a formalized bank credit training program is highly preferred. Proven knowledge of federal and state banking regulations. About Freedom Bank Freedom Bank is a well-managed, independent community bank with approximately $145 million in assets and a strong reputation for service, stability, and local decision-making. While we specialize in small business lending, we offer a full range of loan products and pride ourselves on flexibility and responsiveness. Why Join Us? Opportunity to make a meaningful impact in a growing community bank Collaborative, relationship-driven culture Independence and local credit authority Located in Northwest Montana, offering world-class outdoor recreation including fishing, hiking, skiing, and more What We Offer Competitive salary with performance-based bonus Comprehensive benefits package, including health insurance, retirement plans, and professional development opportunities A supportive and collaborative work environment dedicated to the success of our team and community Additional Notes This job description reflects management's assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned.

Working Hours:

Regular Shifts:

8 AM - 5 PM Monday - Friday, Availability for

Secondary Holidays and Rotating Saturdays Job Type:

Full-time Benefits:

401(k) 401(k) matching Dental insurance Health insurance Life insurance Paid time off Relocation assistance Vision insurance Application Question(s): This role requires working on-site during some federal holidays and Saturdays on a rotating basis. Are you able to meet this requirement?

Education:

High school or equivalent (Required)

Experience:

Lending:

5 years (Required) Ability to

Relocate:

Columbia Falls, MT 59912: Relocate before starting work (Required)

Work Location:

In person