Commercial Lender

Company: First National Bank
Location: Bellevue
Posted on: February 18, 2026

Job Description:

Job Description Job Description Description: Join a Legacy. Build the Future. Now hiring: Commercial Lender, Full Time For 150 years, at First National Bank, we’ve helped our neighbors open doors – both literally and figuratively. As a trusted name in community banking, we’re not just celebrating a milestone – we’re investing in the next generation of lenders who will carry our values forward. If you are passionate about helping businesses in our communities to find financial solutions for their biggest dreams, and you’re ready to join a team where tradition meets innovation, we’d love to meet you! Bring your lending expertise to a place where relationships matter and where your work shapes lives for the better. Help us write the next chapter of our story, because after 150 years, we’re just getting started. Position Overview: Reports to the Chief Lending Officer. Servicing the counties in the communities we service (Erie, Huron, Ottawa and Sandusky). Responsible for the overall performance of the bank’s commercial loan portfolio and for developing new and maintaining existing commercial business. Analyzes loan requests and approves or prepares materials for loan decisioning based on all laws, regulations and bank policies and procedures. Provides guidance and directions to existing lending personnel to develop skills and knowledge. Primary Responsibilities: · Develops new business by contacting prospects and existing clients; and cross-sells other bank services. · Interviews loan applicants and collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request. · Establishes, and negotiates where necessary, the terms under which credit will be extended, including the costs, repayment method and schedule and collateral requirements. · Monitors commercial loan repayment activities and takes necessary action to collect delinquent accounts. · Develops material for and makes loan presentations concerning commercial loans to the Chief Lending Officer, President and/or Board of Directors Loan Committee · Advises and assists department officers, and staff in their respective functions associated with the areas for which he or she has direct responsibility. · Counsels with and assists in the training and development of other lending personnel. · Ensures the protection of the bank’s interest in matters of adequate documentation and adherence to bank policy and the various laws and regulations applicable to departmental operations as well as the exercise of sound credit decisions in the credit department. · Analyzes the allowance for bad debts in conjunction with other lending personnel and presents analysis to the Chief Lending Officer, President and/or Board of Directors on a quarterly basis. · Collects and analyzes information which reflects the current creditworthiness of clients and the current merits of existing loans by information obtained by direct inspection of the applicant’s business and/or collateral, review of interim financial reports, personal interview, etc. · Supports bank management during business, offering solutions and recommendations positively and professionally to the appropriate personnel for review and possible implementation. · Takes all steps necessary to meet excellent customer service demands whenever and wherever necessary in the credit area. · Participates in community affairs and organizations to increase the bank’s visibility and to enhance new business opportunities. · Keeps abreast of local and national economic, financial, political, and legislative events and climates which could impact bank lending activities. · Closes loans and is responsible for proper documentation. · Maintains commercial loan files, including required filing. · Maintains extensive contact with clients, the public and the community to enhance the overall marketing effort of the bank. · Maintains and protects confidentiality of client’s information. · Maintains regular, on-time attendance. · Remains current in assigned training and continuing education for designation retention (online, video, in-house emails, telephone seminars, etc.) · Complies with all regulatory requirements including Bank Secrecy Act and all others specific to their position. · Assumes other responsibilities and duties as may be assigned at the discretion of the Chief Lending Officer and/or President. Requirements: Education and Experience: Three or more years of commercial lending experience or 5 years of banking and/or lending. A.B.S. or B.A. or B. S. degree in a related field of study preferred. Thorough knowledge of current lending and loan review regulations and banking regulations, procedures, and operations; ability to analyze and interpret financial statements; visual and auditory skills. Outstanding communication and interpersonal abilities. Proficient reading, writing, grammar, mathematics skills and word processing and spreadsheet skills. Excellent interpersonal relations and oral and written communicative skills. Excellent organizational and multi-tasking skills. Physical Requirements: This position requires a high degree of mobility. May be subject to prolonged sitting/standing, frequent use of hands and upper body to manipulate/grasp objects/branch equipment, ability to communicate face to face and on the phone with clients, occasional bending and lifting from floor height, frequent forward reach, lifting of 1 – 15 lbs. Must have a valid driver’s license and be able to travel by vehicle to customer locations/branches/meetings/seminars, and so forth. Benefits: First National Bank offers benefits depending on your employment status. For full-time employees we cover 100% of the Medical/Dental/Vision premiums for employees enrolled at the individual (employee only) level. We also offer 401k with company match, Medical/Prescription coverage, HSA option, Life insurance options including company paid life insurance, Short and Long Term Disability, paid holidays, PTO, tuition reimbursement, Wellness programs and potential for profit-sharing and bonuses. Wages: Wages commensurate with experience First National Bank is an equal opportunity employer.

Keywords: First National Bank, Dearborn Heights , Commercial Lender, Accounting, Auditing , Bellevue, Michigan