Commercial Loan Officer

Centralbancompany; Tulsa (OK); On-site; USD 85,000 - 125,000; Full time

Job summary

Central Bank seeks a Commercial Loan Officer to build and manage a portfolio of commercial loan relationships, including business, real estate, and construction lending. You will develop new business through networking, meet clients to assess needs, and analyze financial statements to evaluate loan opportunities.

You will structure loan requests with clear recommendations, monitor loans for compliance, and collaborate with leadership on credit concerns.

Qualifications

• Bachelor’s degree in finance, business, accounting, or related field preferred; 3–7 years of commercial lending experience.
• Equivalent combinations of education and experience will be considered.
• Regular and reliable attendance and punctuality are required.
• Complete job description available upon request.

Responsibilities

• Build and manage a portfolio of commercial loan relationships, including business, real estate, and construction lending.
• Develop new business through networking, referrals, and community involvement.
• Meet with clients to understand financial needs and recommend lending and banking solutions.
• Analyze financial statements, credit information, and collateral to evaluate loan opportunities.
• Structure and present loan requests with clear recommendations and supporting analysis.
• Monitor existing loans for compliance and credit quality.
• Identify credit concerns and collaborate with leadership on solutions.
• Deliver responsive, high-quality service to clients and internal partners.
• Identify opportunities to deepen client relationships with treasury management, deposits, and other bank services.
• Develop and maintain strong operating account relationships with commercial clients.
• Comply with Bank Secrecy Act and information security standards.

Skills

Relationship building

Financial statement analysis

Credit analysis

Networking

MS Office proficiency

Attention to detail

Independent work

Education

Bachelor’s degree in finance, business, accounting, or related field

Tools

Commercial lending systems

Job description

ABOUT CENTRAL BANK

Central Bank is a community-focused financial institution dedicated to serving the individuals and businesses on the communities we serve. We pride ourselves on local decision-making, personalized service, and building long-term relationships that support the growth of our communities. Our team values collaboration, accountability, and delivering exceptional customer service.

POSITION SUMMARY

As a Commercial Loan Officer, you will build and manage relationships with business clients by providing tailored lending solutions. You’ll play a key role in growing our commercial portfolio while helping local businesses succeed. This role is ideal for someone who enjoys relationship-building, financial problem-solving, and making an impact in the community.

WHAT YOU’LL DO

• Build and manage a portfolio of commercial loan relationships, including business, real estate, and construction lending
• Develop new business through networking, referrals, and community involvement
• Meet with clients to understand their financial needs and recommend lending and banking solutions
• Analyze financial statements, credit information, and collateral to evaluate loan opportunities
• Structure and present loan requests with clear recommendations and supporting analysis
• Monitor existing loans to ensure compliance, strong credit quality, and client satisfaction
• Identify potential credit concerns and collaborate with leadership to develop solutions
• Deliver responsive, high-quality service to clients and internal partners
• Identify opportunities to deepen client relationships by making referrals to other lines of business, including treasury management, deposit products, and other bank services
• Actively support deposit growth by developing and maintaining strong operating account relationships with commercial clients
• Comply with all applicable banking regulations, including Bank Secrecy Act requirements and information security standards

ADDITIONAL INFORMATION

• This position has no direct supervisory responsibilities but may mentor junior team members.
• Proficiency in Microsoft Office (Word, Excel, Outlook) required.
• Working knowledge of commercial lending systems and processes preferred.

WHAT YOU’LL BRING

• Proven ability to build and maintain strong business relationships
• Solid understanding of financial statements and credit analysis
• Experience with business development and networking
• Strong communication skills and professional presence
• Ability to manage multiple priorities and work independently
• High level of organization and attention to detail

EDUCATION AND EXPERIENCE

• Bachelor’s degree in finance, business, accounting, or related field preferred 3–7 years of commercial lending or related financial services experience
• Equivalent combinations of education and experience will be considered

ADDITIONAL REQUIREMENTS

• Regular and reliable attendance and punctuality are required for this position. Must be able to perform the essential functions of this position with or without reasonable accommodation.
• *Complete job description available upon request.