Commercial Loan Officer - Massillon

First Federal Community Bank, OH; Massillon (OH); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Local decision making

Community focus

Professional growth

Work-life balance

Paid holidays

Paid time off

Comprehensive benefits

On-site wellness center

Job summary

First Federal Community Bank is seeking a Commercial Loan Officer to develop and manage business banking relationships throughout Stark County, with a focus on the Massillon market. You will identify customer needs, structure tailored lending solutions, and manage a growing commercial loan portfolio as a trusted financial advisor to local businesses.

The role emphasizes proactive relationship management, community involvement, and collaboration with bank centers to expand the bank's presence in

Qualifications

• Bachelor’s degree or equivalent banking experience in finance, accounting, or business.
• 3+ years in commercial lending, credit analysis, or business banking preferred.
• Strong lending and credit analysis knowledge; ability to assess financial information.

Responsibilities

• Develops relationships with prospective business customers through outreach and referrals.
• Builds and expands relationships with First Federal business customers via proactive service.
• Analyzes applicants' creditworthiness and financial condition.
• Negotiates credit terms per bank policies.
• Evaluates loan requests and presents recommendations to loan committees/Board.
• Manages a commercial loan portfolio with annual reviews and collections as needed.
• Identifies opportunities to connect customers with other bank products and services.
• Collaborates with center managers on joint calls and community engagement.

Skills

Lending knowledge

Credit analysis

Relationship management

Communication

Negotiation

Business development

Massillon local networks

Education

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

Tools

Microsoft Office

Banking systems

Job description

Position Name

Commercial Loan Officer

Manager

First Vice President, Chief Lending Officer

FLSA Classification

Exempt

Status

Full-time

Location

Stark County, Massillon Financial Center

Hours

Generally, Monday through Friday; occasional evenings or weekends based on customer and community needs

Job Summary

The Commercial Loan Officer develops and manages business banking relationships throughout Stark County, serving as a trusted financial advisor to local businesses. This role identifies customer needs, structures tailored lending solutions, manages a commercial loan portfolio, and contributes to the continued growth and success of First Federal Community Bank. This is a unique opportunity to help establish and expand First Federal's presence in the Massillon market. The successful candidate will play a key role in building relationships, developing new business opportunities, and strengthening First Federal's reputation as a community-focused financial partner throughout Stark County. The ideal candidate combines strong credit and financial analysis skills with a passion for relationship banking, business development, and community involvement. As a trusted advisor, the Commercial Loan Officer helps business owners achieve their goals through personalized financial solutions, proactive relationship management, and responsive service. Through collaboration, local decision-making, and visible engagement within the Massillon and Stark County business community, this individual will create value for customers while advancing First Federal's commitment Invest in Our Community.

Core Competencies

• Innovative Problem Solver
• Results-Oriented
• Effective Communicator and Active Listener
• Self-Motivated
• Relationship Builder
• Collaborative Team Member
• Community-Minded
• Customer Advocate

Specific Responsibilities

• Develops relationships with prospective business customers through outreach efforts and referral partnerships with CPAs, attorneys, insurance agents, and other professional partners
• Builds, retains, and expands strong, long-term relationships with First Federal business customers through exceptional service and proactive relationship management
• Analyzes applicants' overall creditworthiness, financial condition, and ability to repay.
• Negotiates credit terms, including costs, repayment methods, collateral requirements, and interest-rate structures, in accordance with First Federal policies and procedures
• Evaluates commercial loan requests and presents recommendations to the appropriate loan committees and/or Board of Directors
• Actively manages a commercial loan portfolio, including ongoing customer contact, annual reviews, portfolio monitoring, and collection activities as needed.
• Identifies opportunities to connect customers with additional bank products and services based on their needs
• Collaborates with Financial Center Managers and Cash Management Advisors on joint customer and prospect calls
• Serves as a key ambassador for First Federal in the Massillon market, helping establish and grow the Bank's presence through business development, relationship building, community engagement, and professional networking
• Develops and executes strategies to generate new business opportunities and expand First Federal's commercial banking footprint throughout Stark County
• Maintains a visible presence in the Massillon and Stark County market by participating in community events, service activities, business organizations, and networking opportunities that strengthen relationships, increase brand awareness, and support growth
• Represents First Federal's commitment to Invest in Our Community through active involvement in organizations and initiatives that support local businesses and communities
• Performs other duties as assigned by management

Qualifications

• Bachelor’s degree in finance, accounting, business, or a related field, or an equivalent combination of education and banking experience
• Three or more years of experience in commercial lending, credit analysis, business banking, or a related field preferred
• Strong knowledge of lending services and the ability to analyze financial information
• Strong relationship-management, communication, negotiation, and business-development skills
• Strong knowledge of and established relationships within the Massillon and Stark County business community preferred
• Detail-oriented with strong organizational skills
• Proficiency with Microsoft Office and relevant banking or financial-analysis systems
• Willingness to meet customer needs outside traditional business hours, including occasional evenings and weekends

Why Choose First Federal Community Bank

• Make an Impact: Join our growing Massillon team and play an important role in expanding First Federal's presence in Stark County while helping shape long-term customer and community relationships
• Local Decision Making: Work for a community bank where decisions are made locally and relationships matter
• Community Focus: Be part of an organization committed to Invest in Our Community through local partnerships, volunteerism, and meaningful community involvement
• Professional Growth: Benefit from a dedicated training department at our Dover headquarters, along with on-the-job learning, development opportunities, and career advancement potential.
• Work-Life Balance: Enjoy a primarily Monday-through-Friday schedule, with occasional availability outside normal business hours to support customers and community events.
• Paid Holidays: Receive up to 11 paid holidays each year to enjoy time with family and friends.
• Paid Time Off: Generous paid time off is available after 90 days of employment. Employees also receive paid volunteer time to support nonprofit organizations that are important to them.
• Comprehensive Benefits: Medical, dental, and vision insurance; employer HSA contributions; 401(k) with employer match and Safe Harbor contributions; group life and disability insurance; and an Employee Assistance Program with access to mental health resources.*
• Great Place to Work Perks: Birthday and milestone recognition, an annual wellness fair, and access to the on-site fitness center in North Dover.
• Plan and benefit eligibility requirements apply.

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First Federal Community Bank is an Equal Opportunity Employer