This position focuses on acquiring new clients, managing a portfolio of existing relationships, and cross-selling banking products for investor commercial real estate loans, including construction loan opportunities.

* Actively prospect, negotiate credit structure and acquire new clients through networking, community presence, and leveraging COIs.

* Interview loan applicants to develop information concerning their needs, abilities and earnings to determine whether a loan may be an acceptable risk.

* Evaluate and service the needs of present and potential customers seeking a variety of commercial real estate loans, deposit accounts and other Bank products.

* Ability to analyze applicant's financial status, credit and property evaluation to determine feasibility of granting loan or submit application to credit analyst for verification and recommendation.

*Negotiate the loan terms and conditions with customers and prospects.

* Present concept memos and loan write-ups for approval of proposed terms and pricing.

* Present and negotiate term sheets with customers and prospects.

* Identify and analyze potential loan markets and property asset classes to develop prospects for commercial real estate loans.

* Promote and cross-sell other Bank products and services as appropriate.

* Please see FNB website for additional responsibilities and skills required. 

* Bachelor's degree or equivalent work experience

* Five to ten years of commercial real estate lending or other lending related experience

* Knowledge of Database software, Loan Origination software, Spreadsheet software and Word Processing software

About First Northern Bank

First Northern Bank is an independent community bank that specializes in relationship banking. The Bank, headquartered in Solano County since 1910, serves Solano, Yolo, Sacramento, Placer, Colusa, and Glenn counties, as well as the west slope of El Dorado County. Experts are available in small business, commercial, real estate, and agribusiness lending, as well as mortgage loans. The Bank is an SBA Preferred Lender. Real estate mortgage and small-business loan officers are available by appointment at any of the Bank’s 14 branches, including Dixon, Davis, West Sacramento, Fairfield, Vacaville, Winters, Woodland, Sacramento, Roseville, Auburn, Rancho Cordova, Colusa, Willows, and Orland. Non-FDIC insured Investment and Brokerage Services are also available at every branch location. First Northern Bank is rated as a Veribanc “Green-3 Star Blue Ribbon” Bank and a “5-Star Superior” Bank by Bauer Financial for the earnings period ended December 31, 2025 (www.veribanc.com) and (www.bauerfinancial.com). For additional information, please visit thatsmybank.com or call (707) 678-7742. Member FDIC. Equal Housing Lender

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