Commercial Loan Officer

WVBankers; Hurricane (WV); On-site; USD 70,000 - 100,000; Full time

Job summary

Putnam County Bank is seeking a Commercial Loan Officer to develop and grow a portfolio of local business lending relationships. You will assess credit needs, structure loans, and maintain strong compliance while cross-selling products.

The role emphasizes community involvement and local market knowledge, with office-based work and occasional client travel within the region. 3–5 years in commercial lending is preferred, with a Bachelor’s degree in a related field.

Qualifications

• Bachelor’s degree in Finance, Business, Accounting, or related field.
• 3–5 years of commercial lending or related banking experience.
• Strong local market relationships.
• Knowledge of credit analysis, loan structuring and financial statement analysis.
• Understanding of banking regulations and compliance standards.
• Excellent interpersonal, communication, and negotiation skills.

Responsibilities

• Develop new commercial lending relationships through referrals and local involvement.
• Manage and grow a portfolio of commercial loans and deposits.
• Serve as a trusted advisor by understanding client operations and credit needs.
• Cross-sell bank products in collaboration with other departments.
• Analyze financial statements, tax returns, cash flow, and collateral to assess creditworthiness.
• Prepare loan requests, credit memorandums, and risk assessments for approval.
• Maintain loan documentation and conduct regular relationship reviews.
• Ensure compliance with bank policies and regulatory requirements.
• Stay informed of local market conditions and industry trends.
• Represent the bank professionally within the community.

Skills

Relationship focus

Analytical

Negotiation

Communication

Team player

Education

Bachelor's degree

Job description

Position Information

The position information for this posting is listed below.

Please find the application instructions in the "Requirements" section.

Commercial Loan Officer

The Commercial Loan Officer is responsible for developing, managing, and growing a portfolio of commercial lending relationships while maintaining strong credit quality and compliance with bank policies and regulatory requirements. This role is relationship-driven and focused on serving businesses within the bank’s local market. Local market knowledge and experience are required to effectively source, structure, and manage commercial credit opportunities.

Key Responsibilities

• Develop new commercial lending relationships through referrals, networking, and active involvement in the local community.
• Manage and grow an existing portfolio of commercial loans and deposits.
• Serve as a trusted financial advisor to business customers by understanding their operations, goals, and credit needs.
• Cross-sell appropriate bank products and services in collaboration with other bank departments.

Credit Analysis & Loan Structuring

• Analyze financial statements, tax returns, cash flow, and collateral to assess creditworthiness.
• Structure commercial loan requests that align with customer needs while adhering to the bank’s credit standards.
• Prepare and present loan requests, credit memorandums, and risk assessments for approval.
• Monitor loan performance and take proactive steps to address potential credit concerns.

Portfolio Management & Compliance

• Conduct regular relationship reviews and maintain accurate, complete loan documentation.
• Ensure compliance with all bank policies, procedures, and applicable regulatory requirements.
• Monitor covenant compliance, financial reporting requirements, and collateral values.
• Work with credit administration and loan operations to ensure timely processing and servicing of loans.

Community & Market Engagement

• Maintain a strong presence in the local market through civic involvement, business organizations, and community events.
• Stay informed of local economic conditions, industry trends, and competitive factors affecting the market.
• Represent the bank professionally and positively within the community.

Position

Commercial Loan Officer

Organization

Putnam County Bank

Location

Hurricane, WV

United States

United States Salary:

Posting Start Date

1/14/2026

Requirements

Required Qualifications

• Bachelor’s degree in Finance, Business, Accounting, or a related field (or equivalent experience).
• Minimum of 3–5 years of commercial lending or related banking experience.
• Demonstrated experience and established relationships within the local market.
• Strong knowledge of commercial credit analysis, loan structuring, and financial statement analysis.
• Working knowledge of banking regulations and compliance standards.
• Excellent interpersonal, communication, and negotiation skills.

Preferred Qualifications

• Previous experience at a community bank or similar financial institution.
• Existing portfolio of commercial relationships within the local market.
• Formal credit training or lending certifications.

Skills & Competencies

• Relationship-focused with strong customer service orientation.
• Sound judgment and risk management skills.
• Strong analytical and problem‑solving abilities.
• Ability to work independently and collaboratively.
• High level of professionalism and integrity.

Work Environment & Expectations

• Office‑based with regular travel within the local market for client meetings and business development.
• Some evening or weekend hours may be required for community events and networking activities.

Status

This listing expires on: 1/14/2027

Contact

Address: P.O. Box 308

Hurricane, WV25526

United States

Email:

Phone: [phone]

Fax:

Contact: Eric Hayslett