Job Description

Are you passionate about building relationships and helping others? At First National Bank, we pride ourselves on extraordinary customer experience, and that wouldn't be possible without an extraordinary team! We are seeking an experienced Commercial Officer with a strong background in commercial sales, relationship management, credit, and portfolio growth to join our community-focused Bank in the Charlottesville Market The ideal candidate will bring an established network and existing commercial relationships, with the ability to generate new business, deepen client relationships, and grow a commercial portfolio.

As a Commercial Officer, you will be responsible for developing, maintaining, growing, and servicing a diverse commercial portfolio This position is intended for a relationship-focused banker who can leverage existing business relationships and market presence to drive new commercial opportunities. You will lead relationship strategy, drive new business development, and deliver tailored financial solutions that support your clients’ growth.

What will you be doing in this role?

• Portfolio Management: Maintain, monitor, and strategically grow a commercial portfolio, ensuring high levels of client satisfaction, portfolio performance, and long-term relationship value.
• Business Development: Leverage an established network, client relationships, referrals, and community involvement to identify and pursue new commercial banking opportunities. Develop tailored financial solutions to meet client needs.
• Client Relationship Management: Serve as the primary point of contact for commercial clients. Provide exceptional service and strategic financial guidance to help clients grow and succeed.
• Credit Analysis & Underwriting: Collaborate with credit analysts to assess creditworthiness, structure loans, and prepare credit presentations.
• Cross-Selling: Promote and cross-sell bank products and services including treasury management, mortgage, and investments.
• Compliance & Risk Management: Ensure all activities comply with regulatory requirements and internal policies. Monitor portfolio risk and take proactive steps to mitigate issues.
• Community Engagement: Represent the bank at local events and within business associations to enhance visibility and build relationships.

What’s in it for YOU?

• Competitive compensation and performance-based incentives
• Pension Plan and 401(k) Match Program
• Comprehensive medical, dental, vision and life insurance benefits
• Generous Paid Time Off (PTO) and 11 paid holidays
• Supportive, community-oriented work environment
• Opportunities for professional development and career advancement

Requirements

What will you need?

• Bachelors degree in Accounting, Finance or other related field of study. AA or AS degree with six or more years of relevant experience or ten or more years of relevant experience with no degree may be substituted for bachelor’s degree. Formal Commercial Credit and/or Lending training preferred.
• Minimum of five (5) years of relatable experience in commercial banking or business lending with verifiable success. Must have established client relationships in assigned market with demonstrated loan origination track record with associated clients.
• Demonstrated success managing and growing a commercial portfolio, including an established book of business, strong referral network, and proven ability to generate new commercial relationships.
• Experience independently developing commercial opportunities, structuring credit solutions, and managing complex client relationships.
• Strong credit analysis and underwriting skills.
• Excellent interpersonal, communication, and negotiation skills.
• Deep understanding of local market dynamics and business needs.
• Proficiency in banking software and CRM systems

Physical/Environmental Demands

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable qualified individuals with disabilities to perform the essential functions
• This position works in a normal office environment
• While performing the duties of this job, the employee is regularly required to talk and hear. The employee is frequently required to stand, walk and sit. The employee is occasionally required to reach with hands and arms. The employee may occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision

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