Commercial Lender

The Commercial Lender joins a team that is proud to be part of a locally owned bank embracing the principles and values of the communities we serve. The lenders at CNB are empowered to make timely lending decisions. Having a strong bank-wide customer focus allows our commercial lenders to forge deep, lasting relationships with our clients through the proactive banking solutions we offer.

CNB works hard to provide our commercial lending team with latitude and flexibility to make successful lending decisions.

Being a Commercial Lender at CNB means:

• Ability to approve and close loans timely.

Flexible deal structures

• Providing winning solutions for our customers and the bank
• Local support staff
• Achievable goals
• Supportive credit and documentation teams
• Customer and service focused culture
• Management commitment to delivering high customer experience.

Ideal candidate will possess 5+ years of prior commercial lending experience, a strong credit/risk management background, a record of successful business development, a desire for continued professional development, and strong teamwork and communication skills. Title and salary commensurate with experience.

Essential Responsibilities:

• Identifies, engages, and develops new markets and expand lending opportunities.
• Builds relationships, working within the prescribed framework of bank policies and procedures, to offer flexible and competitive financial solutions including business loans, lines of credit, SBA loans, deposits, and other business products.
• Gathers vital business, financial, and personal background information from potential borrowers.
• Reviews loan requests, credit history, and financial statements to perform a detailed analysis to determine whether proposed applications meet lending criteria.
• Prepares proposed credit memos, including recommendations for loan pricing and terms, and receives concurrence from the credit approving officer/s prior to proceeding with in-depth client negotiations.
• Monitors loan portfolio, communicating directly with borrowers, to ensure that all required financial exhibit due dates are monitored and received from customers in a timely manner.
• Maintains the credit quality of their individual portfolio within bank standards and guidelines; promptly surfaces all risk issues uncovered over the course of managing the portfolio.
• Actively participates in the local and business community at large.

Preferred Education, Experience, Technical Knowledge and Skills:

• Bachelor's Degree in business, finance, or accounting preferred
• Minimum of 5 years of experience in commercial banking
• Extensive knowledge of commercial lending policies and procedures

Compliance:

• Employee is responsible and accountable for the establishment and following of procedures to ensure compliance with all applicable regulatory rules and regulations.
• CNB St. Louis Bank will reasonably accommodate qualified individuals with a disability so that they can perform the essential functions of a job.