Commercial Loan Officer Locations: Hunt Valley, Baltimore County, MD Where Experienced Commercial Lenders Build Lasting Client Relationships. For more than 167 years, ACNB Bank has been a locally rooted, relationship-driven community bank—and we’re still growing. We don’t chase transactions. We build partnerships that help local businesses thrive. We’re looking for an experienced Commercial Loan Officer who wants more than a book of loans—someone who wants ownership of relationships, influence in the market, and a long-term career with a bank that genuinely values community banking done right. If you’re a commercial lender who enjoys calling on businesses, structuring smart credit solutions, and being known as a trusted advisor—not just a salesperson—this could be a defining next step in your career. The Opportunity (What You’ll Accomplish) In this role, you’ll be trusted to build, grow, and manage a profitable commercial loan portfolio within our Hunt Valley, Frederick and/or Carroll County markets while deepening relationships across the bank. Within your first 12–24 months, success looks like: • Developing and managing a strong portfolio of commercial relationships that consistently meets or exceeds loan and fee income goals. • Becoming a recognized relationship lender in the local business community through proactive calling, referrals, and community involvement. • Serving as the primary financial partner for your clients—identifying credit needs and introducing Treasury Management, Insurance, Wealth Management, and Mortgage solutions. • Structuring and recommending sound credit requests by analyzing financial statements, cash flow, and risk. • Exercising lending authority confidently and responsibly within bank policy. • Collaborating with internal partners to deliver seamless, high-touch service to commercial customers. What Sets You Up for Success You’re likely to be successful here if you bring: • 5+ years of commercial lending experience, including portfolio management and new business development. • A proven ability to win, retain, and grow commercial relationships through consultative selling. • Strong credit fundamentals, including experience analyzing financial statements and loan structures. • Working knowledge of commercial lending policies, procedures, and documentation. • Confidence making recommendations and decisions using sound judgment. • Strong communication and interpersonal skills—you’re comfortable in boardrooms and community meetings alike. • Active involvement (or a desire to be involved) in local civic and community organizations. • Comfort with standard banking technology and Microsoft Office tools. Preferred: • Bachelor’s degree in Business, Finance, or a related field. Why You’ll Love This Role • ACNB is a well-established community bank with deep local credibility and decision-making close to the market. • The autonomy to manage your portfolio like a business—without unnecessary bureaucracy. • Competitive incentive plan tied to performance. This position typically pays $120,000 - 150,000 annual base salary, but may be higher based on previous experience. • Comprehensive benefits including health, dental, vision, and a 401(k) with up to 4% employer match. • Generous PTO plus 12 paid bank holidays. • Ongoing professional development and long-term career growth opportunities. If you’re ready to build meaningful commercial relationships, grow your career, and make a visible impact in Northern Maryland—we should talk. Our Careers page will help you find the job you've been looking for: https://www.acnb.com/careers-employment ACNB Bank is an Equal Opportunity Employer.