Commercial Lender
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.