Relationship-Driven 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

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.