What are the responsibilities and job description for the Commercial Lender position at BANK OF FRANKEWING LLC?
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.
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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.
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Qualifications: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.
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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.
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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 ROCKSTAR we need to: bhaywood@thebof.com