Business Lender at Pinnacle Bank – Jasper, Alabama

Summary

The Business Lender is responsible for developing, managing, and growing a high-quality commercial loan portfolio for the bank while delivering exceptional customer service to local businesses. This role combines business development, relationship management, and community involvement. The lender serves as a trusted financial advisor to business clients, helping them meet their financing needs while ensuring the bank’s risk standards and regulatory requirements are met.

Responsibilities

1. Business Development & Relationship Management

• Identify, develop, and maintain strong relationships with small and mid-sized business clients within the bank’s market.
• Attend community, business, and networking events to promote the bank and generate new business opportunities.
• Serve as the primary point of contact for business clients, providing guidance on banking solutions including loans, deposits, treasury services, and other commercial products.
• Cross-sell bank products and collaborate with retail and specialty banking teams.

2. Loan Origination & Portfolio Management

• Originate a variety of commercial loans including commercial real estate (CRE), equipment financing, lines of credit, working capital loans, and SBA loans (if applicable).
• Ensure timely and accurate collection of financial information and loan documentation.
• Monitor existing loan portfolio for performance, covenant compliance, risk ratings, and early warning indicators.

3. Risk Management & Compliance

• Maintain high standards of documentation and compliance with bank policies, state/federal regulations, and safety/soundness requirements.
• Identify potential credit issues early and work with the credit and loan operations teams on remediation strategies.
• Ensure adherence to fair lending, BSA/AML, and other regulatory standards.

4. Community Engagement

• Represent the bank professionally in the community through volunteerism, leadership groups, chambers of commerce, and local business associations.
• Support the bank’s mission to serve local businesses and strengthen community economic development.

Qualifications

Education & Experience

• Bachelor’s degree in Business, Finance, Accounting, or related field preferred.
• 5+ years of commercial lending, credit analysis, banking, or sales experience.

Skills & Competencies

• Excellent communication and relationship-building skills.
• Strong organizational and time-management skills.
• High level of integrity, professionalism, and customer service orientation.
• Proficiency in Microsoft Office and either banking or sales software.

Work Environment:

• Office-based with regular in-market travel for client meetings and community events.
• Occasional evening or weekend networking events may be required.

CATEGORY: FULL TIME

FLSA: SALARY-EXEMPT