What You’ll Do:
As a valued member of the broader Commercial Lending team, you will serve as the key banking advisor for commercial client relationships. You will build rapport with internal and external stakeholders and become a key player in an essential process of our bank. You will perform a wide variety of support functions for the Commercial Lending team. You will engage with internal and external customers while providing legendary service levels. Your strong combination of interpersonal, analytical, and decision-making skills makes you a valued resource and partner. This position will have the flexibility to be located at any of our Johnson County branches.
Key Accountabilities:
- Sales and Referrals
- Identify, attract and win new commercial relationships to grow the Bank’s market share
- Serve as trusted advisor to the largest / most complex clients
- Achieve individual production goals for loans and deposits and core fee income
- Business Line Partnership
- Collaborates with business line partners to quickly respond to customer requests
- Develops and maximizes established referral network
- Proactively prospects for new clients and identifies ways to expand existing relationships in collaboration with internal partners
- Credit Administration
- Underwrite new and renewing C&I and CRE credit requests
- Experienced in interpreting and analyzing various types of financial statements to gauge financial growth
- Analyze business, industry, financial data and other supporting credit information
- Prepare timely, concise and accurate credit recommendations
- Spreads and / or ensures required financial statements are spread consistent with guidelines
- Working knowledge with structuring credit products to diverse industries with varying complexity
- Participates in assessing risk and all credit processes to ensure sound asset quality
- Community Involvement
- Champion and lead business development efforts by developing a clear / holistic understanding of the client’s or prospect’s business and industry
Central Bank Offers This:
- Competitive Salary; determined by experience and skills
- Comprehensive Benefits package that includes; 401(k) company match, Paid-Time Off (PTO), Volunteer Days Off (VTO)
- Paid Federal Holidays
- Tuition Reimbursement
About Central Bank
At Central Bank of the Midwest, our roots run deep in the communities that define our footprint and the ones that shape our culture. Some are defined by geography, while others bring us together through shared experience, values, lifestyle or goals.
Our Associates are the Bank, and Everyone is welcome here. We believe in the diversity of culture, experience, thought and values to create better conversations – and thus – better decisions around the most important issues we face as an organization and community of professionals.
Central Bank of the Midwest is committed to building an inclusive culture that opens a world of opportunity for our team, customers, and every community within our reach. We embrace people and opportunities, engage with our time, talent and resources, and elevate relationships through added value. With a shared commitment to our core values, we RISE together! We RISE by lifting others. These words provide a benchmark for our motives, and compass to guide our words and actions. We pledge to create and sustain a culture of belonging, where we can learn, understand and support the differences that make us better – together.
Preferred Qualifications
You’ve Got This:
- Bachelor’s degree in finance, business, accounting or related field or equivalent experience
- At least 10 years banking experience and/or demonstrated production in the commercial industry.
- At least 3 years of commercial underwriting / credit analysis experience or relevant lending experience
- Experience in various types of lending desirable including Agricultural, Construction, C&I, CRE, TRID, Charitable/Religious, Non-Profit, Tax-Exempt
- Working knowledge of credit enhancements including interest rate swaps, tax credits, SBA/FSA/USDA, and other guarantee programs
- Strong credit acumen and skills including accounting, financial statement, and cash flow analysis.
- Proven track record of success in developing new business and building a quality network resulting in a strong, growing portfolio with minimal exceptions and above average credit quality.
- Commitment to the organization’s core values.
- Strong time management and organizational skills
Skills Required
- Bachelor's degree in finance, business, accounting, or a related field, or equivalent experience
- At least 10 years of banking experience and/or demonstrated production in the commercial industry
- At least 3 years of commercial underwriting, credit analysis, or relevant lending experience
- Experience with Agricultural, Construction, C&I, CRE, TRID, charitable/religious, nonprofit, or tax-exempt lending
- Working knowledge of interest rate swaps, tax credits, SBA/FSA/USDA programs, and other credit enhancements
- Strong credit, accounting, financial statement, and cash flow analysis skills
- Proven success developing new business and building a quality commercial lending network
- Commitment to organizational core values
- Strong time management and organizational skills
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.
