Small Business and Commercial Lender

Job DetailsLevel: ExperiencedJob Location: Sterling Bank Clayton - Clayton, MO 63105Position Type: Full TimeEducation Level: 4 Year DegreeTravel Percentage: NegligibleJob Shift: DayJoin the Sterling Bank team as a full time Small Business & Commercial Lender in our St Louis region.  We are looking for a candidate to play a key role in supporting our mission to serve local businesses and strengthen our community.  Responsibilities will include developing and managing a portfolio of small business and commercial loans while providing exceptional customer service and financial guidance. The ideal candidate is relationship-driven, community-minded, and committed to helping local businesses succeed. This is an in-person position with regular work hours of Monday through Friday, 8am to 5pm.  We offer a competitive salary and benefit package including medical, dental, vision, disability and life insurance coverages, and a 401k retirement plan with an employer match, professional development opportunities and continuing education support. Key Responsibilities: Business Development & Relationship Management Proactively develop new small business and commercial banking relationships within the local community. Build strong, long-term relationships with business owners and community leaders through networking, referrals, and participation in civic and professional organizations. Identify opportunities to cross-sell bank products and services, including deposits, cash management, and merchant services. Serve as a trusted advisor to clients, helping them achieve their business goals through tailored banking solutions. Loan Origination & Portfolio Management Interview and evaluate loan applicants, analyze financial information, and determine appropriate loan structures that meet client needs while maintaining sound credit principles. Prepare and present loan proposals for approval in accordance with bank policies, procedures, and regulatory requirements. Manage and monitor an assigned loan portfolio, ensuring compliance, timely renewals, and proactive management of credit risk. Collaborate closely with credit analysts, loan operations, and senior management to ensure a smooth and efficient lending process. Credit Analysis & Risk Management Review financial statements, tax returns, and cash flow projections to assess creditworthiness. Maintain thorough documentation for all lending activities in compliance with bank policies and regulatory standards. Identify and address potential credit issues early, taking appropriate action to protect both the customer relationship and the bank’s interests.   QualificationsEducation & Experience: Bachelor’s degree in Business, Finance, Accounting, or a related field (or equivalent experience). 3–7 years of experience in small business or commercial lending, preferably in a community banking environment. Demonstrated success in business development and portfolio management. Excellent leadership and customer service skills. Excellent communication, management, analytical and interpersonal skills. Extensive knowledge of bank policies and procedures, lending practices and related areas. Proficient computer skills including use of Microsoft Office Suite.