Commercial Loan Officer

First National Bank; West Des Moines (IA); On-site; USD 85,000 - 140,000; Full time

Job summary

First National Bank in the Des Moines Metrpo area seeks a Commercial Loan Officer to join our established commercial banking team. You will develop new commercial relationships, deepen existing client connections, and manage a CRE/C&I loan portfolio, collaborating with product specialists to deliver tailored financial solutions.

Ideal candidates have a minimum of 5 years of commercial lending, proven credit analysis skills, and the ability to grow client relationships within the Des Moines

Qualifications

• Bachelor's degree in Business, Finance, or a related field.
• Minimum of 5 years of commercial lending experience, including CRE and C&I.
• Proven ability to develop new business and grow commercial relationships.
• Strong credit analysis and underwriting skills.
• Excellent communication and relationship-building abilities.
• Demonstrated organization, time management, and prospect management skills.
• Proficiency with Microsoft Office applications.

Responsibilities

• Develop new commercial relationships and expand existing client connections.
• Manage a quality commercial loan portfolio.
• Collaborate with internal partners to deliver comprehensive financial solutions.
• Present credit recommendations and seek approval for exceptions when appropriate.
• Ensure loans are documented, closed, and maintained in compliance with regulations and bank policy.
• Proactively manage an existing portfolio of commercial relationships.
• Monitor credit quality and maintain up-to-date financial information on borrowers.
• Identify potential risks and take appropriate action to protect the bank's interests.
• Originate, structure, and close CRE and C&I loans.

Skills

Business development

Credit analysis

Relationship building

Time management

Prospect management

Microsoft Office

Education

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

Tools

Microsoft Office

Job description

Commercial Loan Officer

Officer West Des Moines, IA, US

4 days ago Requisition ID: 1093

Join a Respected Community Banking Team with Strong Market Presence

First National Bank has a long-standing commitment to serving businesses and communities throughout Iowa. We are seeking an experienced Commercial Loan Officer to join our established commercial banking team in the Des Moines Metro market.

This position is ideal for a relationship-focused lender who enjoys developing new business opportunities, strengthening existing client relationships, and delivering customized financial solutions to local businesses. Working alongside an experienced team of commercial bankers and supported by a full suite of treasury management, wealth management, and banking resources, you will play a key role in continuing our tradition of exceptional client service and sustainable growth.

What You'll Do

As a Commercial Loan Officer, you will build upon First National Bank's market presence by developing new commercial relationships, deepening existing client connections, and managing a quality commercial loan portfolio. You will collaborate closely with fellow commercial lenders and product specialists to provide comprehensive banking solutions that support the financial success of our clients.

Business Development & Relationship Management

• Develop new commercial banking relationships while expanding existing client relationships.
• Build upon the bank's established reputation and referral network to generate new business opportunities.
• Execute a strategic calling plan focused on prospective clients, centers of influence, and referral sources.
• Identify opportunities to deepen client relationships through treasury management, wealth management, private banking, and other bank services.
• Collaborate with internal partners to deliver comprehensive financial solutions tailored to client needs.
• Maintain an active pipeline of prospects and opportunities through the bank's customer relationship management system.
• Originate, structure, and close commercial real estate (CRE) and commercial & industrial (C&I) loans.
• Evaluate credit opportunities and analyze borrower financial information.
• Structure financing solutions that meet client needs while adhering to sound banking practices.
• Present credit recommendations and seek approval for exceptions when appropriate.
• Ensure loans are documented, closed, and maintained in compliance with regulations and bank policy.
• Proactively manage an existing portfolio of commercial relationships.
• Monitor credit quality and maintain up-to-date financial information on borrowers.
• Identify potential risks and take appropriate action to protect the bank's interests.
• Manage challenged credits and work toward successful recovery or rehabilitation strategies when necessary.

Community Leadership

• Represent First National Bank in the community.
• Build relationships with local businesses, organizations, and centers of influence.
• Promote the bank's reputation through active engagement and professional presence.

Required Qualifications

• Bachelor's degree in Business, Finance, or a related field.
• Minimum of 5 years of commercial lending experience, including:
  • Commercial Real Estate (CRE) lending
  • Commercial & Industrial (C&I) lending
• Proven ability to develop new business and grow commercial relationships.
• Strong credit analysis and underwriting skills.
• Excellent communication and relationship-building abilities.
• Demonstrated organization, time management, and prospect management skills.
• Proficiency with Microsoft Office applications.

Preferred Qualifications

• SBA lending experience.
• Established network of business and professional contacts within the Des Moines Metro market.
• Experience collaborating with treasury management, wealth management, or other specialty banking teams.

The Ideal Candidate

You are a relationship-driven commercial lender who combines strong business development skills with sound credit judgment. You understand how to uncover opportunities, earn clients' trust, and provide financial solutions that help businesses grow. You are equally comfortable prospecting for new relationships, managing an existing portfolio, and collaborating with colleagues to deliver an exceptional client experience.

Why First National Bank?

At First National Bank, you'll join an established and respected organization with a presence in the Des Moines Metro market and a commitment to relationship banking. You'll have the opportunity to work alongside experienced commercial banking professionals while leveraging the resources, reputation, and stability of a community-focused financial institution.

Our core values guide everything we do:

• Community-Focused
• Trustworthy
• Responsive
• Secure

We believe meaningful relationships, local decision-making, and exceptional service continue to differentiate us and create value for our clients and communities.

First National Bank is an Equal Opportunity Employer.