Express Lender

SUMMARY: The Express Business Lender is responsible for the high-volume origination, underwriting, and management of commercial loans of $1,000,000 and under across small business, equipment finance, commercial real estate (CRE), and other business lending segments.  This role is designed to drive scalable loan growth through a streamlined, efficient lending process while maintaining strong credit discipline. The Express Lender will actively prospect new business, develop relationships, and deliver a strong customer experience with fast turnaround times and consistent execution.  The position requires a highly motivated, sales-oriented individual who thrives in a performance-driven environment and is committed to building relationships within the community.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Generate new loan production with a focus on loans $1,000,000 and under across small business lending, equipment financing, CRE, and working capital lending
• Actively prospect new clients through outbound calling, networking, and centers of influence
• Maintain a consistent pipeline through proactive calling efforts and business development activity
• Attend local networking events, community functions, and industry events to build presence and generate leads
• Partner with retail, treasury management, and commercial banking teams to identify and convert opportunities
• Develop and maintain strong relationships with new and existing customer
• Cross-sell bank products and services including treasury management, deposits, merchant services, and wealth management
• Deliver a strong customer experience through responsiveness, clear communication, and efficient execution
• Underwrite loans using a standardized express credit framework 
• Utilize streamlined and automated tools where applicable to support credit decisions
• Structure loans within policy guidelines while identifying and mitigating risk
• Maintain strong credit quality within the portfolio and proactively manage emerging risks
• Deliver fast turnaround times from application to approval and closing
• Coordinate with credit, documentation, and closing teams to ensure a smooth process
• Utilize systems and tools to enhance speed and consistency
• Complete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti-Money laundering procedures. Maintain compliance with all appropriate rules and regulations.
• Regular, predictable attendance is an essential requirement of this position
• Complete all other duties as assigned

EDUCATION AND/OR EXPERIENCE:

• Bachelors degree in Business Administration/Finance/Accounting preferred
• NMLS certification may be required (or obtained upon hire)
• Minimum of three (3) years loan origination and/or credit analysis experience; Formal commercial credit training preferred
• Working knowledge of commercial credit structures and underwriting guidelines
• Strong sales ability and analytical skills
• Excellent interpersonal/people skills
• Thorough knowledge of bank products and services
• Strong sales drive and motivation to generate new business
• Proven ability to prospect, cold call, and develop new relationships
• Ability to balance speed, quality, and risk management
• Strong interpersonal and communication skills
• Highly organized with the ability to manage multiple deals simultaneously
• Self-starter with the ability to work independently and within a team

 

E-Verify is used to confirm the identity and employment eligibility of all newly hired employees. 

Farmers National Banc Corp. is an Equal Opportunity Employer: disability/veteran 

Qualifications Skills Preferred Sales Experience Intermediate Commercial Lending Intermediate Credit Analysis Intermediate Education Required Bachelors or better. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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