Commercial Lender

Rhinebeck Bank is seeking an experienced Commercial Lender to drive business growth while delivering exceptional customer service. In this role, you'll develop strong relationships with commercial clients and community partners, manage a diverse loan portfolio, and represent the bank with the highest level of professionalism. You’ll play a key role in expanding both our commercial loan and mortgage portfolios and in achieving strategic sales goals.

Key Responsibilities:

• Build and maintain relationships with centers of influence to increase referrals and promote bank services

• Manage a portfolio of complex commercial clients through proactive contact and cross-selling of bank products

• Screen and structure loan requests to protect the bank’s interests, ensuring compliance with policies and sound credit judgment

• Prepare detailed loan presentations analyzing creditworthiness, cash flow, collateral, debt service, and borrower character

• Stay well-versed in Rhinebeck Bank’s subsidiaries, products, industry trends, and competitive offerings

• Use RB Connect CRM to manage pipelines, track activities, and maintain visibility on sales performance

• Deliver high-touch customer service to ensure satisfaction, resolve issues efficiently, and support long-term client retention

• Contribute to the development of new tools, products, and marketing strategies

• Complete regular reporting using Sageworks LOS and RB Connect systems, including Commercial Top Ten Reports and Pre-Pipeline updates

• Continuously monitor personal skill development and industry trends to stay ahead of market changes

• Represent Rhinebeck Bank at community events to support visibility and uphold our brand reputation

Qualifications:

• Bachelor’s Degree in Business Administration, Finance, Accounting, or a related field
• 5–10 years of commercial lending experience
• Valid driver’s license (local travel required)

What We Offer:

• Competitive Pay – $110,000 to $145,000 annually, based on experience
• Time Off – 20 days of paid time off to support work-life balance
• Retirement & Equity – Generous 401(k) match
• Training & Development – Onboarding with classroom, webinar, and hands-on learning
• Mentorship – Supportive environment with experienced professionals to help you grow
• Community Involvement – Paid volunteer hours to give back to local causes

Why C