Commercial Lender - Wilson, NC

First Bank and Trust Company; Wilson (NC); On-site; USD 65,000 - 95,000; Full time

Benefits offered by this job

PTO 25 days

11 paid holidays

Health, dental and vision insurance

401K/ESOP

Life insurance 2x salary

Long-term disability

Job summary

The First Bank and Trust Company in Wilson, NC is seeking an experienced Commercial Lender to join our team. The role focuses on servicing existing commercial customers while expanding our presence in Wilson and surrounding areas.

You will promote our full suite of financial products, analyze cash flows, underwriting guidelines, and develop new business relationships. A Bachelor's degree and two years lending experience are preferred, with strong communication skills and banking software

Qualifications

• Bachelor’s degree in Accounting, Business or Finance.
• Two years of lending or underwriting experience.
• Strong communication and interpersonal skills.
• Basic computer proficiency and ability to learn banking software.

Responsibilities

• Achieve commercial lending goals in compliance with growth, profitability, and credit quality objectives.
• Develop relationships with current and potential customers to understand financial needs.
• Promote the bank’s products and services, including digital banking tools.
• Understand underwriting guidelines including cash flows, repayment options and credit terms.
• Maintain a portfolio of existing customers and relationships to support annual new business.
• Coordinate with Credit Administration and Loan Operations to ensure timely underwriting documents.

Skills

Strong communications

Interpersonal skills

Computer literacy

Banking software knowledge

Education

Bachelor's degree – Accounting, Business or Finance

Tools

Banking software

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Commercial Lender - Wilson, NC

Wilson, NC, US

4 days ago Requisition ID: 1415

The First Bank and Trust Company is seeking an experienced and motivated Commercial Lender to join our team in Wilson, NC. This individual will play a key role in servicing existing commercial customers while expanding the bank’s presence in Wilson, NC and the surrounding area.

The Commercial Lender will expand the bank’s presence by actively promoting the Bank’s full suite of financial products and services, with a particular focus on commercial loans and deposit solutions. The ideal candidate will work to strengthen the Bank’s footprint in Wilson, NC.

KEY RESPONSIBILITIES:

• To achieve commercial lending goals in compliance with the bank’s overall growth, profitability, and credit quality objectives.
• Work closely with current and potential customers to understand their operations and financial needs.
• Actively develop new business relationships and service our current customers.
• Keeps abreast of pertinent market and regulatory developments to identify current and potential lending market areas in the region.
• Fully understand and promote the bank’s products and services to include but not be limited to the digital banking tools and resources.
• Understand the Bank’s required underwriting guidelines to include cash flows, loan repayment options and credit terms.
• Maintains a portfolio of existing customers and relationships as needed to accommodate annual new business.
• Work with Credit Administration and Loan Operations to ensure all required underwriting documents are accurate and received for review in a timely manner.
• Provide excellent customer service by addressing inquiries and resolving issues in a timely manner.
• Correspond with customers to answer questions regarding application information.
• Actively participate in the community to promote The First Bank and Trust Company.

QUALIFICATIONS:

• Bachelor’s degree – Accounting, Business or Finance
• Two years of previous lending or underwriting experience
• Strong communications and interpersonal skills.
• Basic computer proficiency and ability to learn banking software.
• PTO Leave is 25 Days for officers per year earned monthly.
• The First Bank and Trust Company recognizes 11 paid holidays, when the holidays occur during the work week.
• Medical, Dental and Vision Insurance coverage starts the 1st day of the month after hire date.
• Employees are automatically enrolled in the bank's 401K/ESOP Plan.
• The First Bank and Trust Company provides basic life insurance coverage equal to two times an employees' base salary.
• First Bank and Trust provides long-term disability Insurance coverage.

The First Bank and Trust five core values are (1) High Quality Customer Service (2) Motivated Employees (3) Profits (4) Honesty and (5) Enjoyment

First Bank and Trust is an Equal Opportunity Employer EOE/AA/M/F/Disabled/Veteran