We are seeking an experienced Commercial Lender for a community bank's Hazel Green, Alabama office, serving the Huntsville / Madison County market and the surrounding north-Alabama and southern-middle-Tennessee corridor. This role focuses on developing, managing, and growing a portfolio of commercial loan and deposit relationships, with an emphasis on owner-occupied commercial real estate, C&I, and small-business lending in a relationship-based, community-focused bank.
Key Responsibilities
Proactively generate new business through referrals, prospecting, and community involvement
Analyze financial statements, tax returns, cash flow, collateral, and credit risk to structure loans
Prepare credit memos and loan presentations in accordance with loan policy
Monitor loan performance, covenant compliance, and credit quality
Conduct annual reviews and renewals, addressing credit concerns proactively
Cross-sell treasury and deposit services
Collaborate with credit administration to ensure regulatory compliance
Represent the bank within local chamber, civic, and community organizations
Qualifications
Bachelor's degree in Finance, Accounting, Business, or a related field preferred
3+ years of commercial lending or related banking experience preferred
Owner-occupied C&I / small-business origination experience preferred over investor CRE
SBA 7(a) or USDA B&I experience is a strong plus
Working knowledge of state and federal banking regulations
Established relationships in the Huntsville / Madison County market
Compensation
Base salary of approximately $80,000 at the entry level, with bonus potential of up to 20%. Experienced producers with an established client portfolio may earn total compensation of up to $150,000.
Numbers & Facts
Location
Alabama
Skills
Accountingunmatched
Analysis Skillsunmatched
Banking Regulationsunmatched
Banking Servicesunmatched
Business Loansunmatched
Cash Flowunmatched
Commercial Loansunmatched
Commercial Real Estateunmatched
Community Bankingunmatched
Credit Analysisunmatched
Credit Riskunmatched
Cross-Sellingunmatched
Federal Laws and Regulationsunmatched
Financeunmatched
Financial Analysisunmatched
Loan Policyunmatched
Loan Portfoliounmatched
Loan Structuringunmatched
Maintain Complianceunmatched
Performance Analysisunmatched
Sales Prospectingunmatched
Small Businessunmatched
State Laws and Regulationsunmatched
Tax Returnsunmatched
Treasuryunmatched
Underwritingunmatched
United States Department of Agriculture (USDA)unmatched
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