Commercial Banker – Richmond

At New Horizon, we're building a bank that runs on grit, speed, and execution.
We move fast, challenge assumptions, and obsess over doing things better — for our clients and for each other. This isn't a place for red tape; it's a place for builders. From product design to client experience to operations, we're constantly pushing for sharper thinking and smarter solutions. Our team is made up of passionate individuals who share a relentless drive to enhance our services and deliver exceptional experiences. If you're energized by momentum, motivated by results, and excited to shape the future of banking, you'll feel right at home here.

General Job Summary
As a Commercial Banker at New Horizon Bank, you will be primarily responsible for originating, underwriting, and managing high-quality commercial loans that support New Horizon Bank's portfolio growth and credit-quality objectives. This role is centered on commercial lending—sourcing new credit opportunities, analyzing complex financial information, structuring loan facilities, and managing credit risk throughout the life of each relationship.

In addition to lending responsibilities, the Commercial Banker develops and deepens client relationships, originate deposit and treasury opportunities, and serves as a trusted financial advisor to local businesses. Success in this role requires strong credit expertise, financial acumen, proactive business development, and the ability to deliver exceptional client service with speed, accuracy, and accountability.

Business Development
Essential Duties and Responsibilities:

• Identifying and pursuing new business opportunities within the assigned market.
• Becoming established as an active presence in the community, expanding business network, prospecting, and building a pipeline of new clients.
• Collaborate with Treasury Management, Deposit Operations, Retail, and Executive Leadership to support cross-sell strategies, seamless onboarding and exceptional client experience while expanding the bank's footprint.

Relationship Management

• Developing and maintaining strong relationships with business clients through regular communication and engagement.
• Acting as the primary point of contact for clients, addressing their financial needs, and providing exceptional service.

Financial Consultation

• Conducting thorough financial assessments for business clients to understand their goals, challenges, and opportunities.
• Providing strategic financial advice and recommending appropriate banking solutions.

Loan Structuring

• Evaluating creditworthiness of business clients and preparing credit proposals.
• Structure credit facilities (term loans, lines of credit, owner-occupied real estate, investment real estate, equipment loans, etc.) to appropriately mitigate risk while meeting client needs.
• Monitoring and managing credit risk through ongoing analysis and proactive measures.
• Ensure compliance with credit policy, regulatory guidance, and internal procedures.

Portfolio Management & Risk Mitigation

• Maintain a high-quality loan portfolio through ongoing client engagement, financial monitoring, and early identification of problem loans.
• Work closely with credit administration and senior management to address emerging risks or deterioration in creditworthiness.
• Manage loan renewals, modifications, covenant exceptions, and credit memos in accordance with bank policy.
• Ensure timely and accurate collection of client documentation in coordination with internal teams.

Product Knowledge

• Maintain deep knowledge of commercial lending products, business deposit accounts, treasury management solutions, and digital banking tools.
• Educate clients on available solutions and guide them toward the right mix of products to support growth, liquidity, and risk management.
• Stay informed of regulatory changes, industry trends, and competitive pressures impacting local businesses.

Required Knowledge, Skills, And Abilities

• Familiarity with business banking software and technology.
• Strong understanding of financial products, credit analysis, and risk management.
• A motivated team player who is passionate about creating, building, and maintaining strong financial relationships.
• Exceptionally skilled at verbal and written communication.
• Driven to create and promote a strong internal and external culture focused on customer service.

Education And Experience

• Bachelor's degree in Business, Finance, or related field.
• Relevant certifications (e.g., Certified Treasury Professional, Commercial Lending Certificate).
• Three to five years of experience in business banking or a related financial role.