Commercial Lender

Job Description

Job Description

SUMMARY

The position of Commercial Lender is responsible for soliciting, negotiating, underwriting and coordinating the closing of complex equipment, buildings, manufacturing facilities as well as commercial real estate in compliance with Sauk Valley Bank’s lending policies and procedures. Further, the Commercial Lender will develop business checking and deposit relationships with customers.

In addition the Commercial Lender assures compliance with all SVB policies and procedures, as well as, all applicable state and federal banking regulations.

ESSENTIAL DUTIES

• Engages in business development activities and solicitation of new business
• Interviews prospective loan applicants and requests specified information related to loan and credit application
• Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within the framework of SVB’s credit culture and current economic and industry trends
• Gathers and analyzes all information necessary to present a financing request to senior management and / or Loan Committee for approval
• Meets with existing or potential customers, visits loan sites, negotiates loan terms and conditions, approves loans within established lending limits and recommends acceptance to the Loan Committee
• Ensures credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning is achieved
• Ensures that certification or deletion of collateral is made by the appropriate personnel
• Negotiates, underwrites and processes renewals of credit facilities
• Serves as a member of the Officer’s Loan Committee and regularly attends Director’s Loan Committee
• Develops and maintains knowledge of the financial industry, economy, market conditions, rates, vendors and competition
• Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits
• Provides deposit and loan account ratings
• Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge offs to ensure all possible precautionary actions or measures are taken

SECONDARY DUTIES

The position of Commercial Lender performs duties specific to the position and other functions as assigned.

SUPERVISORY RESPONSIBILITY

The position of Commercial Lender is not responsible for the supervision of any employee(s).

ENVIRONMENT AND PHYSICAL ACTIVITY

The environment for this position is an open office that is mostly clean and comfortable. It may include some minor annoyances such as noise, odors, drafts, etc. The incumbent is in a non-confined office-type setting in which he or she is free to move about at will.

The incumbent in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to 30 pounds), carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

MENTAL DEMANDS

The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks and constant interruptions.

MINIMUM REQUIREMENTS

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and / or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

The incumbent must be able to perform this position safely, without endangering the health or safety to him / herself or others.

Sauk Valley Bank is an Equal Opportunity Employer. SVB is committed to the provision of equal opportunity employment for all qualified persons in all job classifications in recruitment, selection and promotion without regard to race, color, religion, gender, gender identity, sexual orientation, parental status, national origin, age, disability, military status, veteran status or any other protected status. Submission of this information is voluntary and is not considered in employment decisions. This information will be kept separate from the employment files and is considered confidential.

Sauk Valley Bank offers medical, short term disability, long term disability, life, vision, dental and 401K benefits to all full time positions. PTO will vary depending on the level of the position. This position is eligible for incentive.

Management reserves the right to change this position description at any time according to business needs.

Salary Range : $90,000 - $120,000 annually depending on experience

October 28, 2025