Commercial Loan Officer

Location: Lincoln, NE
Reports to: Senior Management / Chief Lending Officer

About Us

City Bank & Trust Co. is a locally owned community bank dedicated to providing personalized financial solutions that strengthen individuals, businesses, and local municipalities. We combine the resources of a full-service bank with the hands-on service of a community partner. Our mission is to help local economies thrive through strong relationships, customized lending, and exceptional customer service.

Position Overview

The Commercial Loan Officer is responsible for developing and managing a portfolio of commercial banking relationships, including business loans, commercial real estate financing, and related banking services. This role requires a balance of business development, credit analysis, and relationship management to support the bank’s growth goals while upholding sound lending practices.

Key Responsibilities

• Business Development:
• Proactively source and originate new commercial loan opportunities.
• Build strong relationships with business owners, investors, and community leaders.
• Represent the bank at community, networking, and industry events.
• Loan Structuring & Credit Analysis:
• Analyze financial statements, tax returns, and cash flow to assess creditworthiness.
• Structure loan terms to meet customer needs while adhering to bank policies and regulations.
• Prepare and present credit memos for loan committee review.
• Portfolio Management:
• Manage an active portfolio of commercial loans, ensuring strong asset quality.
• Monitor borrower performance, maintain compliance with covenants, and mitigate risk.
• Handle renewals, modifications, and loan workouts as needed.
• Customer Service & Relationship Banking:
• Serve as a trusted advisor, offering comprehensive financial solutions.
• Collaborate with retail, mortgage, and treasury management teams to cross-sell bank products.
• Provide exceptional service to ensure long-term client satisfaction and loyalty.

Qualifications

• Bachelor’s degree in business, finance, accounting, or related field preferred.
• Minimum 3–5 years of experience in commercial lending, credit analysis, or banking.
• Strong knowledge of commercial loan products, SBA programs, and real estate financing.
• Proven track record of business development and portfolio growth.
• Excellent communication, negotiation, and relationship-building skills.
• High level of integrity, judgment, and ability to work independently.

What We Offer

• Competitive compensation.
• Comprehensive benefits, including health, dental, vision, 401(k) with match, and paid time off.
• The opportunity to make a direct impact in your community while growing your career.

Additional Information

Physical & Work Environment Requirements:

• Ability to work in a professional office environment, including extended periods of computer use and telephone communication.
• Ability to travel locally to meet with clients, attend community events, and conduct business development activities.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the position.

Equal Employment Opportunity Statement:
City Bank & Trust Co. is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status.

Employment Disclaimer:
This job description is not a contract of employment and does not alter the at-will employment relationship. The bank reserves the right to modify job duties or descriptions at any time.