Small Business and Commercial Lender

Join 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.

Qualifications

Education & 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.