Commercial Loan Officer

ACNB Insurance Services, Inc.; Maryland; On-site; USD 120,000 - 150,000; Full time

Benefits offered by this job

Competitive incentive plan

Health, dental, vision insurance

401(k) with employer match

Job summary

ACNB Bank, a well-established community bank in Northern Maryland, is seeking an experienced Commercial Loan Officer to own client relationships and grow a profitable loan portfolio. The role emphasizes advisory service, credit expertise, and collaboration with internal teams to deliver tailored financial solutions.

The position offers an autonomous, relationship-driven environment with strong growth potential and a competitive incentive plan.

Qualifications

• 5+ years of commercial lending experience, including portfolio management.
• Ability to win, retain, and grow commercial relationships through consultative selling.
• Strong credit fundamentals and experience analyzing financial statements.
• Knowledge of lending policies, procedures, and documentation.
• Excellent communication and interpersonal skills.
• Active involvement in local civic and community organizations.
• Familiarity with MS Office tools.

Responsibilities

• Build, grow, and manage a profitable commercial loan portfolio within Hunt Valley, Frederick and/or Carroll County markets.
• Develop strong relationships through proactive calling, referrals, and community involvement.
• Identify client credit needs and introduce Treasury Management, Insurance, Wealth Management, and Mortgage solutions.
• Structure and recommend sound credit requests by analyzing financial statements and cash flow.
• Collaborate with internal partners to deliver high-touch service to commercial customers.
• Exercise lending authority within bank policy and guidelines.

Skills

Commercial lending

Relationship building

Credit analysis

Lending policies

Decision making

Communication

Community involvement

MS Office

Education

Bachelor's degree in Business, Finance, or related field

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 Loan Officer

Full-Time Professionals Hunt Valley Loan Production Office, Cockeysville, MD, US

30+ days ago Requisition ID: 2402

Salary Range: $120,000.00 To $150,000.00 Annually

Commercial Loan Officer

Locations: Hunt Valley, Baltimore County, MD

Where Experienced Commercial Lenders Build Lasting Client Relationships.

For more than 167 years, ACNB Bank has been a locally rooted, relationship-driven community bank—and we’re still growing. We don’t chase transactions. We build partnerships that help local businesses thrive.

We’re looking for an experienced Commercial Loan Officer who wants more than a book of loans—someone who wants ownership of relationships, influence in the market, and a long-term career with a bank that genuinely values community banking done right.

If you’re a commercial lender who enjoys calling on businesses, structuring smart credit solutions, and being known as a trusted advisor—not just a salesperson—this could be a defining next step in your career.

The Opportunity (What You’ll Accomplish)

In this role, you’ll be trusted to build, grow, and manage a profitable commercial loan portfolio within our Hunt Valley, Frederick and/or Carroll County markets while deepening relationships across the bank.

Within your first 12–24 months, success looks like:

• Developing and managing a strong portfolio of commercial relationships that consistently meets or exceeds loan and fee income goals.
• Becoming a recognized relationship lender in the local business community through proactive calling, referrals, and community involvement.
• Serving as the primary financial partner for your clients—identifying credit needs and introducing Treasury Management, Insurance, Wealth Management, and Mortgage solutions.
• Structuring and recommending sound credit requests by analyzing financial statements, cash flow, and risk.
• Exercising lending authority confidently and responsibly within bank policy.
• Collaborating with internal partners to deliver seamless, high-touch service to commercial customers.

What Sets You Up for Success

You’re likely to be successful here if you bring:

• 5+ years of commercial lending experience , including portfolio management and new business development.
• A proven ability to win, retain, and grow commercial relationships through consultative selling.
• Strong credit fundamentals, including experience analyzing financial statements and loan structures.
• Working knowledge of commercial lending policies, procedures, and documentation.
• Confidence making recommendations and decisions using sound judgment.
• Strong communication and interpersonal skills—you’re comfortable in boardrooms and community meetings alike.
• Active involvement (or a desire to be involved) in local civic and community organizations.
• Comfort with standard banking technology and Microsoft Office tools.

Preferred:

• Bachelor’s degree in Business, Finance, or a related field.

Why You’ll Love This Role

• ACNB is a well-established community bank with deep local credibility and decision-making close to the market.
• The autonomy to manage your portfolio like a business—without unnecessary bureaucracy.
• Competitive incentive plan tied to performance. This position typically pays $120,000 - 150,000 annual base salary, but may be higher based on previous experience.
• Comprehensive benefits including health, dental, vision, and a 401(k) with up to 4% employer match.
• Ongoing professional development and long-term career growth opportunities.

If you’re ready to build meaningful commercial relationships, grow your career, and make a visible impact in Northern Maryland—we should talk.

ACNB Bank is an Equal Opportunity Employer.