SUMMARY:

As we expand into new markets, we’re looking for a relationship-driven Commercial Loan Officer in the Janesville/Beloit area to join us in helping local businesses grow, strengthening community connections, and building a thriving portfolio of satisfied customers. This is a unique opportunity to be part of our growth story, make a meaningful impact, and shape the future of our presence in these vibrant communities.

RESPONSIBILITIES:

· Proactively prospect new business relationships across all areas of the bank through referrals, networking, outreach efforts, and other strategic sources.

· Develop, manage, and service a profitable commercial loan portfolio while maintaining strong credit quality and minimizing risk to the bank and its shareholders.

· Analyze borrowers’ financial statements, credit histories, and collateral to determine creditworthiness; recommend or approve commercial loan requests within lending authority.

· Utilize external programs and resources to mitigate risk and ensure solutions align with the customer’s best interests.

· Identify and initiate cross-selling opportunities by reviewing clients’ full banking relationships and collaborating with internal partners.

· Maintain consistent and meaningful contact with customers through regular meetings and ongoing communication.

· Monitor and resolve past dues, overdrafts, insurance exceptions, and financial covenant exceptions in a timely manner.

· Own credit quality for assigned relationships, including financial analysis, covenant monitoring, and risk grading in accordance with bank policy.

· Remain active in the community and local organizations to strengthen the Bank’s presence and reputation.

· Demonstrate the ability to grow loan and deposit relationships while maintaining strong asset quality and customer satisfaction.

SCOPE:

This position will report to the Chief Lending Officer