Summit Financial Group, Inc. is a financial holding company headquartered in Moorefield, West Virginia. Summit provides community banking services primarily in the Eastern Panhandle and Southern regions of West Virginia and the Northern, Shenandoah Valley and Southwestern regions of Virginia, through its bank subsidiary, Summit Community Bank, Inc.

EMPLOYEE POLYGRAPH PROTECTION ACT (PDF)

Commercial Lender, Charleston WV  (Full Time)
Location: Charleston, WV

JOB TITLE:  Commercial Lender

Entity (SFG, SCB): SCB

Job Classification: Exempt, Full-Time

Education requirements:Bachelor Degree in Business, Finance, or related field preferred.

Experience or Skill requirements: 

• Two years of experience in a financial institution or loan department preferred.
• Knowledge of commercial real estate and commercial non-real estate lending policies and procedures preferred.
• Knowledge of lending services and related areas preferred.
• Good managerial, communication, organization, and sales skills preferred.

Duties:

• Analyzes the credit history of applicants and determines their loan repayment capabilities.
• Negotiates credit terms, such as costs, loan repayment methods, and collateral specifications.
• Develops and maintains interest rate structure, with assistance of management or Holding Company Loan Committee, to be consistent with Summit’s policies and procedures, and to be competitive with current market rate.
• Evaluates potential customer loan requests and makes loan recommendations to the Holding Company Loan Committee.
• Maintain working knowledge of loan systems-how to create and/or obtain loan documents through the loan system.
• Follows structured calling system as set by the supervisor based on expectations and/or goals.
• Cross-sell and promote other Summit products such as deposits, insurance, and investments, to customers.
• Reviews new laws and regulations that influence business lending within the financial institution and makes recommendations to management when necessary.
• Participates in training when required for the position.
• Develops new customer prospects and business for the financial institution.

Relationships:

The Commercial Lender will work with all lending staff including other Lenders, Loan Officer Assistants, and the Loan Processing, Post Closing, Loan Review, Credit Analysis, and Debt Management departments.  The Commercial Lender will work with and present loans to the Holding Company Loan Committee and Board of Directors and will report to a direct supervisor.

Summit provides equal employment opportunities in all aspects of employment. All employment decisions are made without regard to race, color, religion, age, sex (including pregnancy, sexual orientation, or gender identity), national origin, disability status, genetics, protected veteran status, or any other characteristic protected by federal, state, or local laws.

Annual Salary varies, based on experience.