The Commercial Lending Associate serves as a key member of the Commercial Banking team, providing portfolio management, customer relationship support, loan administration, and credit analysis assistance to Commercial Loan Officers. This position coordinates loan renewals, assists with loan closings, collects and reviews borrower documentation, maintains portfolio quality, and supports underwriting efforts for new and existing credit relationships. The role is designed to enhance client service, improve portfolio administration, and provide a developmental path toward a Commercial Loan Officer or Portfolio Manager position.
Essential Duties and Accountabilities
Portfolio Management
Assist Commercial Loan Officers with the ongoing management of commercial loan portfolios.
Monitor loan maturities, financial reporting requirements, borrowing base reports, covenant compliance, and documentation exceptions.
Coordinate annual reviews and periodic credit monitoring activities.
Identify upcoming renewal, modification, and servicing needs and communicate them proactively.
Help ensure loans remain compliant with bank policy, approval requirements, and applicable regulations.
Customer Relationship Support
Coordinate with Loan Servicing for commercial customer inquiries and servicing requests.
Develop and maintain professional relationships with commercial clients.
Coordinate communication among borrowers, Commercial Loan Officers, Credit Administration, Loan Operations, and other bank departments.
Assist customers with documentation requests, loan maintenance matters, and closing requirements.
Support Commercial Loan Officers in managing and expanding customer relationships.
Loan Renewals and Modifications
Obtain updated financial statements, tax returns, rent rolls, organizational documents, and other required borrower information.
Assist with preparation of loan renewal and modification requests.
Review borrower documentation for completeness, consistency, and accuracy.
Track maturing loans and help ensure renewal packages are completed before maturity.
Coordinate with Credit Administration and Loan Operations throughout the approval and documentation process.
Loan Closing Coordination
Assist with collecting and organizing required due diligence and closing documentation.
Coordinate with commercial loan processing associated with monitoring outstanding conditions and documentation items related to commercial loan closings.
Confirm required documentation is received and submitted before funding.
Assist in resolving documentation deficiencies and post-closing exceptions.
Credit Analysis and Underwriting Support
Analyze business and personal financial statements, tax returns, and supporting financial information.
Prepare financial spreads, trend analyses, and borrower or guarantor summaries.
Assist with cash flow analysis, debt service coverage calculations, global cash flow analysis, and collateral evaluations.
Support preparation of credit approval requests, annual reviews, and relationship summaries.
Work with Commercial Loan Officers and Credit Administration to evaluate creditworthiness, repayment capacity, and overall relationship risk.
Administrative and Reporting Functions
Maintain accurate loan, customer, and relationship records.
Assist with portfolio reporting, exception tracking, and management information requests.
Support internal audits, compliance examinations, and loan review activities.
Follow established documentation standards, bank procedures, and regulatory requirements.
Perform other duties as assigned or as needed.
Comply with all applicable banking regulations, including Bank Secrecy Act requirements and information security standards.
Education and Experience
Bachelor's degree in Finance, Accounting, Business Administration, Economics, Agriculture Business, or a related field preferred.
One (1) to three (3) years of banking, commercial lending, credit analysis, accounting, finance, business operations, or related experience preferred.
Equivalent combinations of education, training, and directly related experience may be considered.
Knowledge, Skills, and Abilities
Basic understanding of commercial lending principles, financial statement analysis, cash flow analysis, and credit risk assessment.
Strong analytical, organizational, and problem-solving skills.
Ability to interpret financial statements, tax returns, and supporting borrower documentation.
Effective verbal and written communication skills.
Strong customer service and relationship management abilities.
Ability to manage multiple priorities and meet deadlines.
Proficiency with Microsoft Office applications, including Excel, Word, and Outlook.
Ability to learn and effectively utilize commercial lending and portfolio management systems.
Supervisory Responsibilities
This position has no direct supervisory responsibilities.
Additional Requirements
Regular and reliable attendance and punctuality are required.
Must be able to perform the essential functions of the position with or without reasonable accommodation.
Physical Demands and Working Conditions
This role works in a standard office environment and involves extended periods at a computer, regular communication in person and by phone, and occasional lifting of items up to 25 pounds.
Central Bank will provide reasonable accommodations to enable individuals with disabilities to perform the essential functions of this position.
Working Environment
Primarily performed in an on-site banking office environment with frequent interaction with customers, lenders, and internal departments. Occasional travel to customer locations, training sessions, community events, or other bank facilities may be required.
Skills Required
- Bachelor's degree in Finance, Accounting, Business Administration, Economics, Agriculture Business, or a related field
- One to three years of banking, commercial lending, credit analysis, accounting, finance, business operations, or related experience
- Basic understanding of commercial lending principles, financial statement analysis, cash flow analysis, and credit risk assessment
- Strong analytical, organizational, and problem-solving skills
- Ability to interpret financial statements, tax returns, and supporting borrower documentation
- Effective verbal and written communication skills
- Strong customer service and relationship management abilities
- Ability to manage multiple priorities and meet deadlines
- Proficiency with Microsoft Office applications, including Excel, Word, and Outlook
- Ability to learn and effectively utilize commercial lending and portfolio management systems
- Regular and reliable attendance and punctuality
Central Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Central Bank and has not been reviewed or approved by Central Bank.
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Retirement Support — A two-part 401(k) combines a 50% match on the first 6% contributed with an automatic 4% nonelective employer contribution, with auto-enrollment and auto-escalation. Employer funds vest on a graded schedule reaching 100% at five years.
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Leave & Time Off Breadth — PTO for full-time staff starts at 18 days per year and increases with service up to 27 days, and the organization follows the Federal Reserve holiday schedule. Part-time employees accrue PTO on a pro‑rata basis.
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Healthcare Strength — Medical, dental, vision, and prescription coverage are offered with eligibility typically beginning the first of the month after hire, alongside HSA and FSA options. Life, AD&D, and short- and long-term disability plus an EAP enhance health and protection.
Central Bank Insights
What We Do
Central Bank is a privately held $20 billion bank headquartered in Jefferson City, Missouri. Serving 13 markets in 8 states. Central Bank specializes in community banking, with a particular focus on delivering leading-edge technology through its network of more than 150 facilities operating in Missouri, Kansas, Illinois, Colorado, Iowa, Tennessee, North Carolina, Florida, and Oklahoma, as well as more than 22,000 ATMs nationwide. Member FDIC. "Strong Roots. Endless Possibilities." reflects our long-standing commitment to the communities we serve, as well as our commitment to delivering high-quality, leading-edge financial products and services that help our customers and communities grow and succeed. As our product and service offerings continue to expand, we assure you that our commitment to the community will only grow stronger. All of our lending decisions are made locally in the community you live. Equal Opportunity Employer–minorities/females/veterans/individuals with disabilities/sexual orientation/gender identity.
