Commercial Lender

## Description

**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.

## 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: [[email hidden]](mailto:[email hidden])