ABOUT CENTRAL BANK
Central Bank is a community-focused financial institution dedicated to serving the individuals and businesses on the communities we serve. We pride ourselves on local decision-making, personalized service, and building long-term relationships that support the growth of our communities. Our team values collaboration, accountability, and delivering exceptional customer service.
POSITION SUMMARY
As a Commercial Loan Officer, you will build and manage relationships with business clients by providing tailored lending solutions. You'll play a key role in growing our commercial portfolio while helping local businesses succeed. This role is ideal for someone who enjoys relationship-building, financial problem-solving, and making an impact in the community.
WHAT YOU'LL DO
Build and manage a portfolio of commercial loan relationships, including business, real estate, and construction lending
Develop new business through networking, referrals, and community involvement
Meet with clients to understand their financial needs and recommend lending and banking solutions
Analyze financial statements, credit information, and collateral to evaluate loan opportunities
Structure and present loan requests with clear recommendations and supporting analysis
Monitor existing loans to ensure compliance, strong credit quality, and client satisfaction
Identify potential credit concerns and collaborate with leadership to develop solutions
Deliver responsive, high-quality service to clients and internal partners
Identify opportunities to deepen client relationships by making referrals to other lines of business, including treasury management, deposit products, and other bank services
Actively support deposit growth by developing and maintaining strong operating account relationships with commercial clients
Comply with all applicable banking regulations, including Bank Secrecy Act requirements and information security standards
ADDITIONAL INFORMATION
This position has no direct supervisory responsibilities but may mentor junior team members.
Proficiency in Microsoft Office (Word, Excel, Outlook) required.
Working knowledge of commercial lending systems and processes preferred.
Central Bank has been serving the St. Louis metropolitan area for over 115 years. Since our inception we have been a conservative financial institution and have always focused on the basic business of making loans in and attracting deposits from the communities we serve. Today we still take the same approach to our business throughout the metropolitan area.
We offer local management, long-term stability and a full range of deposit and lending products and services coupled with a very personalized approach to providing financial services.
We are one of the top mortgage lending providers in the St Louis area with a knowledgeable and experienced group of loan officers and mortgage staff. Our commercial lending team has a long history of working with businesses to finance their needs today and as they grow in the future.
Central Bank offers a full range of online banking services including online bill pay, mobile check deposit, e-statements and a full complement of checking and savings products
Central Bank is a wonderful place to grow and develop your talent! We are more than a place to work, we encourage teamwork, community involvement, and a family environment rooted in respect and pride for each person who contributes to our success and the success of our customers.
Central Bank is family-owned. We refer to our team as our “Central Bank family.” This comes from a genuine appreciation for the people who dedicate their talent to our company’s success. Providing outstanding benefits is one of the primary ways we strive to be an employer-of-choice. Our overall compensation philosophy is based on pay for performance and ensures our employees are paid competitively. Our employees also have access to a comprehensive package of benefits, rewards and recognition.