Sr. Commercial Loan Officer

Overview

Are you interested in applying your commercial loan experience in a leadership role in a fast-growing market? As the Senior Commercial Loan Officer, you'll play a vital role on the lending team, collaborating and generating solutions for current and perspective business clients. You'll actively solicit new business by marketing all of Horizon’s commercial banking products within a five-county territory. In addition, as the Senior Commercial Loan Officer, you will manage a book of business and grow your new and ongoing relationships.

You will utilize financial analysis to maximize market penetration and account performance, in compliance with state and federal regulations, company policies and established Standard Operating Procedures (SOPs).

PRINCIPAL ACCOUNTABILITIES

The Senior Commercial Loan Officer is responsible for structuring and underwriting loan requests for new and existing client, growing loan and deposit portfolio, and generating fee income. This role ensures client relationships are profitable, and partners with other areas of the Bank to meet all of the financial needs of the clients. The Senior Commercial Loan Office represents the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications.

The role is accountable for adherence to compliance standards including Bank Secrecy Act (BSA), actively protects the confidentiality of customer and account information. Finally, the Senior Loan Portfolio demonstrates Horizon Bank’s commitment to the communities we serve through active involvement in local organizations and events.

• Safeguard the Bank’s assets and uphold portfolio quality by following established lending processes, policies, procedures, regulatory and ethical requirements, audit standards, and risk management practices. Ensure all Commercial Banking activities comply with Bank Policies and related guidelines.
• Follow Know Your Customer (KYC) standards and Bank Policies & Procedures to help prevent loss due to fraud, counterfeiting, money laundering, or misappropriation; identify and report suspicious or reportable transactions or activity patterns potentially linked to money laundering.
• Recognize opportunities to cross-sell value-added commercial banking services through a targeted and proactive sales and business development approach.
• Drive the acquisition of new loans, deposits, and fee income by cultivating business with new and existing clients through an ongoing development strategy.
• Reduce credit risk by consistently tracking loan portfolio performance and repayment behavior, taking timely action to address and collect on delinquent accounts.
• Deliver underwriting expertise across all transaction types; use analytics and structuring guidance to recommend terms that appropriately balance risk and return to enhance competitiveness and secure business opportunities.
• Offer specialized support and direction in negotiating and documenting loan agreements with clients.
• Assist in loan administration—review and reconcile draw packages (including sworn statements and AIA documents), request and evaluate inspections, order title updates and date-down endorsements, and interact with clients as needed.
• Monitor economic conditions and integrate this insight with client financial reviews to support effective portfolio management.
• Protect customer trust and safeguard Bank operations by maintaining strict confidentiality of information.
• Engage in continuous training related to skills, compliance, risk management, and security, applying learned practices in day-to-day responsibilities. Stay informed on market developments through involvement in professional associations, community initiatives, and events.

Colin Mahoney, Sr. Talent Acquisition Specialist