Job Title: Commercial Relationship Officer – Special Assets

Classification: Exempt, Full Time

Reports to— Omaha Market President

Work Location – Hybrid or In Office. Business needs require candidate to live within the Omaha Metro Area.

Office Location – 16949 Lakeside Hills Plaza, Omaha, NE 68130

 Summary Description:  

 Arbor Bank is seeking a highly motivated and experienced Commercial Banking Officer to join our dynamic banking team. This role is uniquely structured to spend 50% of time managing special & troubled assets and 50% on new client acquisition and relationship management within the commercial banking portfolio.

 The ideal candidate will bring deep expertise in distressed loan management, including underwriting, structuring, and navigating complex credit situations such as loan workouts and restructurings. Equally important is the ability to use a consultative approach to cultivate new business opportunities, build lasting client relationships, and provide tailored financial solutions that support client growth.

 This position is central to Arbor Bank’s mission to be a Guiding Force to the business owner, combining strategic credit expertise with relationship-driven banking.

ESSENTIAL DUTIES: 

• Proactively manage special assets and troubled credits, including identifying early signs of deterioration, recommending remedial strategies, and coordinating with legal, credit, and risk departments.
• Lead loan workouts, restructurings, forbearance agreements, and other resolution strategies with bank clients to mitigate risk and protect the Bank’s interests.
• Prepare and present comprehensive credit memorandums and risk assessments to loan committees and executive management with the support of dedicated credit analysis staff.
• Originate, structure, and manage a portfolio of commercial loans, including C&I, CRE, and SBA loans.
• Demonstrate accountability & active leadership in sales process through, but not limited to:
  • Participate in weekly business development meetings to implement strategies to attract new clients, expand loan portfolio and increase market share.
  • Furnish weekly business development reports: tracks and maintains database of calls, leads, prospects, pipeline utilizing Bank’s Customer Relationship Management platform (CRM).
  • Actively solicit new business to the bank
• Identify and refer opportunities to other areas of the Bank, including Treasury, Insurance, Mortgage & Deposit
• Embody Arbor Bank’s Core Values when interacting with colleagues, co-workers, clients, prospects, and our community.
• Credit memos will be totally compliant to The Bank, Federal and State policies, and regulations. Seeking only high-quality business. 
• Monitor and maintain loan portfolio on proactive basis, including ensuring required documentation is always included in loan files, performing inspections as needed, reviewing financials, and borrowing base certificates on regular basis.
• Support the strategies and initiatives of the organization.
• Be actively involved in the Omaha and Elkhorn communities.
• Communicate proactively & promptly with Credit and Loan Administration Departments to provide information necessary to achieve sound documentation that conforms to The Bank, Federal and State policies, and regulations.
• Provides prompt and effective service to all internal and external customers.
• Demonstrate commitment, dependability, and respect for team members.
• Regular and predictable attendance, punctuality, and adherence to agreed-upon schedule of availability.
• Perform physical requirements as described in the Physical Requirements section.
• Special projects and other duties as assigned or needed.

REQUIREMENTS

• Bachelor’s degree in business administration, Finance, Accounting, or related field; MBA or advanced degree is desirable.
• Direct experience in special assets, loan workouts or distressed assets.
• Experience in restructuring problem loans, handling legal issues related to default, foreclosure, bankruptcy, and liquidation.
• 5-7 years of experience in commercial lending, with a proven track record of success in business development, client relationship management, and loan origination of mid-market companies, corporations & institutions of moderate complexity.
• Strong knowledge of commercial credit underwriting, loan documentation, and banking regulations.
• Deep financial analysis skills, with the ability to evaluate creditworthiness and assess risk factors associated with commercial loan transactions.
• Exceptional negotiation, interpersonal, and client management skills.
• Proficiency in financial analysis software & systems, credit scoring models.
• Strong written and verbal communication skills with the ability to prepare and present complex financial information clearly and concisely.
• Strategic thinker with the ability to develop and execute innovative strategies to drive growth and profitability.
• Ability to help mentor, train and guide commercial banking professionals towards career advancement, personal and professional growth, and loan volume & portfolio success.
• Proficiency with Customer Relationship Management platforms (CRM). SalesForce.

Supervisory responsibilities: no direct reports.

Physical demands:

• The physical demands of the job, including bending, sitting, lifting and driving.
• Sedentary work that primarily involves sitting/standing.
• Remaining in a stationary position, often standing or sitting for prolonged periods.
• Occasionally lifting or carrying objects less than 15 lbs.
• Communicating with others to exchange information.
• Communicating by means of spoken word to impart oral information to convey detailed spoken instructions to other workers, clients, & the public accurately, loudly and/or quickly.
• Constant repeating motions that may include the wrists, hands and/or fingers.
• Clear vision at approximately 20” or less, including use of computers, mid-range and 20’ or more.
• Ability to hear, understand, and distinguish speech in person, over the telephone, computer and/or remote speech.
• Reaching or extending hand(s), arm(s) in any direction, straightening arm(s) and elbow(s) and engaging the shoulders(s).
• Driving.
• Assessing the accuracy, neatness and thoroughness of the work assigned.

Work environment:

• No adverse environmental conditions expected.

Position type and expected hours of work: full time, typical work hours 8-5 M-F and weekends/evenings as needed.

Travel: 5% local/regional travel

Affirmative action plan/equal employment opportunity (AAP/EEO) statement: Arbor Bank maintains a policy of non-discrimination with employees and applicants for employment. No aspect of employment with us will be influenced in any manner by race, color, religion, sex, age, national origin, marital status, disability, or any other basis protected by applicable law. We also believe in the principles of the Americans with Disabilities Act (ADA). ADA prohibits employers from unlawfully discriminating against employees or job applicants with disabilities when making employment decisions. We will provide reasonable accommodation to otherwise qualified disabled employees or applicants. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at HR@arborbanking.com