What are the responsibilities and job description for the Commercial Loan Officer position at ACNB Bank and Careers?
Commercial Loan Officer
Locations: Hunt Valley, Carroll County, Frederick County, MD
Where Experienced Commercial Lenders Build Lasting Client Relationships.
For more than 167 years, ACNB Bank has been a locally rooted, relationship-driven community bank—and we’re still growing. We don’t chase transactions. We build partnerships that help local businesses thrive.
We’re looking for an experienced Commercial Loan Officer who wants more than a book of loans—someone who wants ownership of relationships, influence in the market, and a long-term career with a bank that genuinely values community banking done right.
If you’re a commercial lender who enjoys calling on businesses, structuring smart credit solutions, and being known as a trusted advisor—not just a salesperson—this could be a defining next step in your career.
The Opportunity (What You’ll Accomplish)
In this role, you’ll be trusted to build, grow, and manage a profitable commercial loan portfolio within our Hunt Valley, Frederick and/or Carroll County markets while deepening relationships across the bank.
Within your first 12–24 months, success looks like:
- Developing and managing a strong portfolio of commercial relationships that consistently meets or exceeds loan and fee income goals.
- Becoming a recognized relationship lender in the local business community through proactive calling, referrals, and community involvement.
- Serving as the primary financial partner for your clients—identifying credit needs and introducing Treasury Management, Insurance, Wealth Management, and Mortgage solutions.
- Structuring and recommending sound credit requests by analyzing financial statements, cash flow, and risk.
- Exercising lending authority confidently and responsibly within bank policy.
- Collaborating with internal partners to deliver seamless, high-touch service to commercial customers.
What Sets You Up for Success
You’re likely to be successful here if you bring:
- 5 years of commercial lending experience, including portfolio management and new business development.
- A proven ability to win, retain, and grow commercial relationships through consultative selling.
- Strong credit fundamentals, including experience analyzing financial statements and loan structures.
- Working knowledge of commercial lending policies, procedures, and documentation.
- Confidence making recommendations and decisions using sound judgment.
- Strong communication and interpersonal skills—you’re comfortable in boardrooms and community meetings alike.
- Active involvement (or a desire to be involved) in local civic and community organizations.
- Comfort with standard banking technology and Microsoft Office tools.
Preferred:
- Bachelor’s degree in Business, Finance, or a related field.
Why You’ll Love This Role
- ACNB is a well-established community bank with deep local credibility and decision-making close to the market.
- The autonomy to manage your portfolio like a business—without unnecessary bureaucracy.
- Competitive incentive plan tied to performance. This position typically pays $100,000 - 140,000 annual base salary, but may be higher based on previous experience.
- Comprehensive benefits including health, dental, vision, and a 401(k) with up to 4% employer match.
- Generous PTO plus 12 paid bank holidays.
- Ongoing professional development and long-term career growth opportunities.
If you’re ready to build meaningful commercial relationships, grow your career, and make a visible impact in Northern Maryland—we should talk.
Our Careers page will help you find the job you've been looking for: https://www.acnb.com/careers-employment
Locations: 21701, 21158, 21030
ACNB Bank is an Equal Opportunity Employer.
Salary : $100,000 - $140,000