COMMERCIAL LENDER

All First Bank employees are required to:

1. Be attentive to our customer and co-worker needs with a welcoming personality.
2. Possess a team-oriented attitude with a desire to see success in themselves and others.
3. Maintain a strict standard of confidentiality involving all transactions.
4. Develop a working knowledge of all bank products.

Position Summary

The Commercial Lender is responsible for developing, managing, and growing profitable commercial banking relationships by originating quality commercial loans, generating core deposits, and delivering exceptional customer service. This position serves as a trusted financial advisor to business customers while maintaining a safe and sound loan portfolio and supporting the Bank's strategic growth objectives.

Primary Responsibilities

Business Development

• Develop new commercial banking relationships through active calling efforts, networking, referrals, and community involvement.
• Expand existing customer relationships by identifying lending, deposit, treasury management, and other banking opportunities.
• Maintain an active calling program focused on existing customers and qualified prospects.
• Maintain a healthy pipeline of prospective loan and deposit opportunities and provide updates to management as requested.

Relationship Management

• Serve as the primary relationship manager for assigned commercial customers.
• Develop long-term relationships built on responsiveness, trust, and sound financial advice.
• Coordinate customer needs across all areas of the Bank.
• Deliver superior customer experience through timely communication and proactive service.
• Retain and deepen existing customer relationships.

Loan Production

• Develop quality commercial loan opportunities.
• Analyze borrower financial information and prepare complete credit requests.
• Present loan requests for approval in accordance with Bank policy.
• Meet annual production goals established by management while maintaining sound credit quality.

Credit Administration

• Analyze financial statements, tax returns, cash flow, and repayment capacity.
• Prepare accurate and complete credit presentations.
• Obtain required financial information and supporting documentation.
• Monitor covenant compliance and financial reporting requirements.
• Work closely with Credit Administration throughout the lending process.

Portfolio Management

• Maintain an assigned commercial loan portfolio.
• Complete annual financial reviews and portfolio maintenance timely.
• Monitor customer financial performance and repayment trends.
• Maintain appropriate risk ratings.
• Identify emerging credit concerns early and communicate with Credit Administration.
• Manage past due loans and overdrafts within assigned portfolio.
• Maintain regular customer contact through business visits and relationship reviews.

Deposit & Treasury Management Production

• Generate core operating deposit relationships.
• Identify treasury management opportunities.
• Partner with Treasury Management personnel to deliver solutions.
• Promote full banking relationships.

Compliance & Risk Management

• Comply with all Bank policies and regulatory requirements.
• Maintain strict customer confidentiality.
• Complete all required regulatory and Bank training.
• Exercise sound judgment within assigned lending authority.
• Promote safe and sound banking practices.

Community Involvement

• Represent First Bank professionally within the community.
• Participate in civic organizations and business associations.
• Support community events and develop referral networks.

Professional Development

• Complete all required regulatory training.
• Participate in lending schools and continuing education.
• Remain current on industry trends and Bank products.

Education & Experience

• Bachelor's degree in Business, Finance, Accounting, Economics or a related field preferred. Equivalent banking experience may be substituted.
• Minimum five (5) years of commercial lending experience preferred for experienced lender positions.

Knowledge, Skills & Abilities

• Financial analysis
• Relationship management
• Sales and business development
• Communication and interpersonal skills
• Organization and time management
• Professionalism, confidentiality, and sound judgment

Performance Expectations

• Achieve annual loan production goals established by management.
• Generate meaningful core deposit growth from commercial relationships.
• Maintain an active business development pipeline.
• Complete annual portfolio reviews on time.
• Maintain acceptable portfolio quality and delinquency standards.
• Deliver exceptional customer service.
• Collaborate effectively with Credit Administration, Loan Operations, Treasury Management, Retail Banking, and other departments.

Secondary or Additional Job Duties:

This job description in no way states or implies that these are the only duties to be performed. You will be expected to follow any other job-related instructions and to perform other job-related duties as requested by management. 

Statement of Understanding:

I understand that the above duties and how I perform them are the requirements on which my performance will be judged. It is understood that these duties may be revised from time to time at the discretion of the Bank’s management.

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Employee’s Signature                                              Date

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First Bank Representative                                         Date