FCN Bank Commercial Loan Officer

FCN Bank Commercial Loan Officer FCN Bank Commercial Loan Officer Department: Commercial Lending Job Status: Full-time FLSA Status: Exempt Reports to : Chief Loan Officer Positions Supervised: No Amount of Travel Required : Local Work Schedule: Monday Friday (Some evenings and weekends if needed) Position Summary Responsible for developing, managing, and growing a commercial loan portfolio through relationship-based banking. This role focuses on building strong customer relationships, identifying lending opportunities, and delivering well-structured, profitable credit solutions. The Lender collaborates with internal partners to analyze financial information, structure credit requests, and ensure sound credit decisions within established authority. This position also supports the Bank's mission by actively engaging in the community and contributing to overall customer satisfaction, portfolio quality, and Bank profitability. Key Responsibilities: Develop and maintain a strong pipeline of commercial and agricultural lending opportunities through proactive calling efforts on customers, prospects, and Centers of Influence (COIs). Build and deepen customer relationships by providing consultative financial solutions and identifying opportunities to cross-sell additional bank products and services. Gather and analyze financial and background information to underwrite loan requests; structure, negotiate, and present credit proposals. Approve or recommend loan requests within established authority limits, or present to appropriate lending authorities or committees for approval. Prepare and communicate written loan proposals, commitments, and related documentation. Monitor and manage portfolio performance, including loan payments, borrowing base certificates, financial statements, tax returns, and insurance requirements to ensure ongoing credit quality. Maintain complete, accurate, and compliant credit files in accordance with Bank policies and regulatory requirements. Take primary responsibility for collection efforts on commercial and agricultural credits within assigned portfolio; assist with other collection efforts as needed. Represent the Bank professionally through active community involvement and participation in local events and organizations. Ensure a high level of customer satisfaction while supporting the Bank's goals for growth, profitability, and risk management. Perform other duties as assigned. Skills