Commercial Lender at Farmers & Merchants Bank

Eureka, Missouri, United States -

Full Time

Start Date

Immediate

Expiry Date

24 Mar, 26

Salary

0.0

Posted On

24 Dec, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Commercial Lending, Credit Analysis, Business Development, Relationship Management, Loan Origination, Portfolio Management, Compliance, Risk Management, Financial Analysis, Customer Relations, Networking, Negotiation, Microsoft Office, Analytical Skills, Organizational Skills, Communication Skills

Industry

Banking

Description

Description Job Title: Commercial Lender Department: Commercial Lending Job type: Full-time Shift & Schedule: Extended hours, approximately 37.5-40 hours per week Location: Farmers and Merchants Bank, High Ridge, MO and Eureka, MO Full job description: As a Commercial Lender, you will be responsible for development and management of a commercial loan portfolio. This role involves identifying credit and deposit opportunities, analyzing financial data, and ensuring loans are structured to meet both the client’s needs and the bank’s risk standards. The Commercial Lender actively develops relationships with business owners, real estate investors, and professionals to drive portfolio growth and enhance the bank’s community presence. Join the Farmers and Merchants Bank Team! Are you ready to embark on a thrilling career in the banking industry? At Farmers and Merchants Bank, we're more than just a bank, we're a community of passionate individuals dedicated to making a positive impact in the areas we live and serve. From personalized service to active community involvement, we support our neighbors in meaningful ways, and we want you to be a part of this incredible journey. Benefits 401(k) Health insurance Paid time off Vision insurance Health insurance Health savings account Dental insurance Life insurance Employee assistance program Disability insurance Approximately 11 Paid holidays Exciting Opportunities Await: At Farmers and Merchants Bank, we believe in taking care of our team just as well as we take care of our customers. Enjoy competitive pay, comprehensive benefits, and Paid Time Off (PTO) to ensure your work-life balance. But that's not all! We prioritize on-the-job training and continue educational opportunities so your career can flourish. We are currently searching for the right person to join our team as a Commercial Lender. The position prospects for quality loan opportunities and generates and maintains a quality loan portfolio between two of our four bank branches, High Ridge, MO and Eureka, MO. The job functions are: Requirements Duties & Responsibilities: Business Development & Relationship Management Develop new commercial loan and deposit relationships through networking, calling programs, and referrals. Maintain regular contact with existing clients to ensure satisfaction and identify additional banking opportunities. Represent the bank at community, civic, and professional events to promote business banking services. Collaborate with internal teams to deliver comprehensive financial solutions. Loan Origination & Credit Analysis Evaluate borrower creditworthiness by analyzing financial statements, cash flow, collateral, and management capability. Structure and recommend loan terms that balance client needs with sound credit principles. Prepare and present loan proposals and credit packages for review and approval. Coordinate with credit analyst and loan administration to ensure accurate documentation and timely loan closing. Portfolio Management Monitor assigned loan portfolio for credit quality, covenant compliance, and payment performance. Conduct annual reviews, renewals, and site visits as required. Identify potential risk issues early and work with management to implement solutions. Maintain loan files and records consistent with regulatory and internal policy requirements. Compliance & Risk Management Ensure all lending activities comply with bank policy, loan authority limits, and federal regulations (OCC, FDIC, SBA, etc.). Adhere to underwriting standards and participate in internal and external audits as required. Work closely with management to formulate strategic planning goals and objectives to grow the bank’s loan portfolio and net income while providing loan services to current customers and cultivating relationships with potential customers to drive loan growth. Keep abreast of related industry and professional trends and products and services to ensure the current and future effectiveness and profitability of the bank’s services, policies, staff proficiency and processes as they relate to assigned areas of responsibilities. Work towards and assist in the positive image and growth of the bank. Comply with all federal, state and local regulatory rules and regulations governing financial institutions, as well as all company policies and procedures. Complete and pass all required regulatory compliance training as assigned. Perform any additional duties and tasks assigned by management. QUALIFICATIONS & SKILLS: Sound knowledge of the field’s concepts, practices, and procedures. Strong knowledge of compliance with Federal and State regulations pertaining to the banking industry. Strong knowledge of lending products and services. Self-motivated with a strong work ethic and ability to handle high pressure situations. Exceptional management, organizational, planning, time management and project management skills. Excellent written, communication and customer relations skills. Ability to set strategic goals and ensure high quality products and services. Proficiency in Microsoft Word, Excel, PowerPoint and Outlook. EDUCATION, EXPERIENCE, AND LICENSES: Bachelor's degree in accounting, finance, economics, or business-related field required. Minimum of three years Commercial Lending experience Formal credit training – preferred Strong analytical and financial statement analysis skills. In-depth knowledge of commercial credit, loan documentation, and collateral valuation. Excellent interpersonal, communication, and negotiation skills. Ability to build lasting client relationships and maintain a professional network. Proficiency in Microsoft Office and loan origination/CRM systems. ___________________________________________________________________________________ Working Conditions: Typical office environment with regular client site visits. Travel within assigned market area required; occasional evening or weekend community events. Performance Metrics: Growth and quality of loan portfolio. New loan origination and cross-sell results. Portfolio risk management and compliance performance. Client satisfaction and retention. WORK LOCATION: Farmers and Merchants Bank at the High Ridge & Eureka locations Addresses are as follows: FMB High Ridge Branch FMB Eureka Branch 1010 Cross Roads Place 619 Stockell Drive High Ridge, MO 63049 Eureka, MO 63025 PHYSICAL DEMANDS: The employee is often required to: sit; employee is occasionally required to: stand; walk; and lift or reach with hands and arms. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Be Part of Something Bigger: Imagine working in a place where your career drives both personal success and customer satisfaction. Our commitment to employee advancement is genuine—Farmers and Merchants Bank is the perfect place for professionals eager to build a rewarding career. Join us and thrive in a culture that values innovation, collaboration, and career development. We can’t wait to meet you! As a Commercial Lender, you'll play a pivotal role in the mission to empower our customers to achieve their financial goals and dreams. Farmers and Merchants Bank is an Equal Opportunity Employer including military and veterans.

Responsibilities

The Commercial Lender is responsible for developing and managing a commercial loan portfolio, identifying credit and deposit opportunities, and analyzing financial data. This role also involves building relationships with business owners and professionals to drive portfolio growth.