Commercial Loan Officer - Massillon

First Federal Community Bank; Massillon (OH); On-site; USD 70,000 - 110,000; Full time

Benefits offered by this job

Health insurance

401(k) with employer match

Paid time off

Volunteer time off

Life and disability insurance

Job summary

First Federal Community Bank seeks a Commercial Loan Officer to grow and manage business banking relationships in Stark County, with Massillon market involvement.

The role combines credit analysis, tailored lending solutions, and proactive relationship management to advance First Federal’s community-focused mission.

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, or related field preferred.
• Strong knowledge of lending services and 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.

Responsibilities

• Develops relationships with prospective business customers through outreach and referrals from CPAs, attorneys, and other partners.
• Builds, retains, and expands strong relationships with First Federal business customers through proactive relationship management.
• Analyzes applicants' creditworthiness, financial condition, and ability to repay.
• Negotiates credit terms per First Federal policies and procedures.
• Evaluates loan requests and presents recommendations to loan committees or Board of Directors.
• Manages a commercial loan portfolio with ongoing contact, reviews, monitoring, and collections as needed.
• Identifies opportunities to connect customers with additional bank products and services.
• Collaborates with Financial Center Managers and Cash Management Advisors on joint calls.
• Represents First Federal in Massillon market through community engagement and networking.
• Develops strategies to generate new business and expand the bank's footprint in Stark County.
• Maintains visibility in Massillon and Stark County through events and organizations to strengthen relationships and growth.

Skills

Relationship building

Credit analysis

Lending knowledge

Communication

Business development

Community involvement

Massillon/Stark County knowledge

Microsoft Office

Education

Bachelor’s degree in finance, accounting, or business (or equivalent banking experience)

Equivalent combination of education and banking experience

Tools

Microsoft Office

Job description

FLSA Classification: Exempt

Status: Full-time

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 to Invest in Our Community.

Core Competencies

• Results-Oriented
• Effective Communicator and Active Listener
• Self-Motivated
• Relationship Builder
• 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.

First Federal Community Bank is an Equal Opportunity Employer