Commercial Loan Officer

Cincinnatus Savings and Loan; Cincinnati (OH); On-site; USD 70,000 - 110,000; Full time

Job summary

Cincinnatus Savings and Loan is seeking a Commercial Loan Officer in Cincinnati, OH. This on-site role focuses on originating, evaluating, and managing commercial loan relationships with small businesses and real estate lending, aligned to credit standards.

The candidate will meet with business clients, analyze financial statements and credit information, and structure loan terms while ensuring regulatory compliance and timely processing.

Qualifications

• Experience in commercial lending and as a loan officer.
• Strong ability to analyze financial statements and credit information.
• Proficient in underwriting and structuring loans per regulatory guidelines.
• Bachelor’s degree in Finance, Business, Accounting, or related field.
• Ability to network with the local business community.

Responsibilities

• Originating, evaluating, and managing commercial loan relationships.
• Meeting with prospective and existing business customers.
• Analyzing financial statements and credit information.
• Structuring loan terms and preparing underwriting recommendations.
• Ensuring timely loan processing and regulatory compliance.
• Supporting portfolio quality and ongoing customer guidance.

Skills

Commercial lending

Credit analysis

Financial statement analysis

Cash flow assessment

Relationship building

Regulatory compliance

Education

Bachelor's degree in Finance/Business/Accounting

Tools

Credit analysis tools

Loan origination software

Job description

Company Description

Cincinnatus Savings and Loan is a mutually owned community bank that has served the west side of Cincinnati since 1885. The institution has grown from its origins as a local building and loan association to operating three offices, while remaining independently owned and focused on its depositors as stakeholders. The mission is to provide competitive, easy-to-understand lending and savings products tailored to customers’ needs, supported by personalized, relationship-based service. As a mutual company, customers are considered owners, and the bank emphasizes understanding individual financial goals and maintaining a strong community presence. This customer-first approach is central to the culture and operations of Cincinnatus Savings and Loan.

Role Description

The Commercial Loan Officer is a full-time, on-site role based in Cincinnati, OH. This role is responsible for originating, evaluating, and managing commercial loan relationships, including small business and real estate lending, in alignment with the bank’s mission and credit standards. Day-to-day responsibilities include meeting with prospective and existing business customers, analyzing financial statements and credit information, structuring loan terms, and preparing underwriting recommendations. The Commercial Loan Officer will work closely with internal teams to ensure timely loan processing, maintain regulatory compliance, and support portfolio quality. The role also includes networking within the local business community, identifying new lending opportunities, and providing ongoing support and guidance to customers throughout the loan lifecycle.

Qualifications

• Experience in commercial lending and working as a Loan Officer, with a strong understanding of business credit needs.
• Solid foundation in Finance, including financial statement analysis, cash flow assessment, and risk evaluation.
• Proficiency in Underwriting practices, credit analysis, and structuring loans within regulatory and policy guidelines.
• Knowledge of commercial Loans products, including term loans, lines of credit, and real estate financing.
• Strong customer relationship skills, including the ability to communicate complex financial concepts clearly.
• Detail-oriented with sound judgment, integrity, and adherence to compliance and regulatory standards.
• Bachelor’s degree in Finance, Business, Accounting, or a related field, or equivalent professional experience.
• Familiarity with community banking environments and commitment to serving local businesses is a plus.