The Commercial Loan Officer is responsible for soliciting, negotiating, underwriting and coordinating the closing of complex, equipment, SBA, commercial real estate and business loans in compliance with the Bank’s lending policies and procedures. This position requires connecting with people quickly in an outgoing, friendly manner. This position requires persuasive communication skills to gain interest and involvement of others in the work process and is an important aspect of the job. This position requires an extreme sense of urgency, combined with getting work done in complete, accurate detail and in accordance with company standards and policies. The motivation for this position comes from a strong sense of duty and a feeling of responsibility for completing work both quickly and correctly. A faster than average work pace is necessary, and follow-up of delegated work must be very thorough. Decision making will be done with the ideas and advice of others, but always carefully and cautiously within the guidelines of established company policy. Selling ideas to others and the ability to train, teach and motivate a team are strong aspects of this position. Change is an ongoing occurrence of this job and must be approached conservatively and with the support and guidance of management.
Salary range: $80,080 - $180,825 annually, DOE
ESSENTIAL DUTIES INCLUDE:

Solicits, negotiates, underwrites, and coordinates the closing of complex consumer, residential, equipment, commercial building and business loans in compliance with the Bank’s lending policies and procedures.
Engages in business development activities and solicitation of new business and is actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services.
Develop business checking and deposit relationships with customers and promote business for the Bank by maintaining good customer relationships and referring customers to appropriate staff for new services.
Assists in attaining established Bank, region and branch goals through active participation in sales management and officer call programs, and is expected to provide leadership, training and support to less experienced loan officers and other staff members.
Occasionally managerial duties perform in the absence of the Branch or Region Manager.
Interviews prospective applicants and requests specified information related to loan or credit application and corresponds or re-interviews applicants to resolve questions regarding application information.
Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
Gathers and analyzes all information necessary to present a financing request to Senior Management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; and approves loans within established lending limits or refers and recommends acceptance to the Chief Credit Officer or Loan Committee.
Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; and approves loan disbursements in accordance with agreements.

MINIMUM REQUIREMENTS
These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or
ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

Bachelor’s degree (BA) or equivalent from a college or university; 5+ years related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial analyzing or lending background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
Advanced experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
Advanced experience, knowledge and training in all lending activities and terminology.
Advanced knowledge of commercial, construction, real estate and consumer loan processing.

Advanced knowledge of related state and federal lending and compliance regulations, and other Bank lending policies.
Ability to develop marketing and business development skills with customers.
Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.

About Plumas Bank

Our Mission
We make banking personal and powerful for the businesses, individuals and communities we serve.

Our Vision
To exceed every idea of what a bank can be.

Our Values
Bankers Who Believe
Committed to Community
Forging the Future
Real Relationships
HERE. For Good.
There are many reasons to work for Plumas Bank. Working for a company that has seen significant growth in recent years while still maintaining a family environment are just a couple reasons. Receiving the comprehensive benefits that Plumas Bank offers its' team members is another great reason!

Plumas Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.

About the company

Plumas Bank is a community bank serving businesses and individuals. The company offers deposit accounts, commercial and agricultural lending, mortgages, treasury services, and digital banking tools. It serves local businesses, agricultural operators, households, and community organizations. Its operating model centers on relationship banking delivered through branches, lenders, and online services. Teams work across banking, lending, credit, operations, compliance, technology, and customer service. The organization combines community banking expertise with practical delivery for regional customers.

Company Size

N/A

Company Stage

IPO

Headquarters

Quincy, Massachusetts

Founded

1980

Simplify's Take

What believers are saying

Q2 2026 net income reached $9.9 million, up from $6.3 million a year earlier.
First-half 2026 net interest income surged 43%, helped by Cornerstone loans and deposits.
April 15, 2026 results showed record first-quarter earnings and a $0.33 dividend.

What critics are saying

June 30, 2026 nonperforming loans hit $23.5 million, with agriculture driving $12.0 million.
Allowance coverage fell to roughly 90% by June 30, 2026, tightening loss protection.
A worsening credit cycle could consume earnings and force reserves higher through 2027.

What makes Plumas Bank unique

July 1, 2025 Cornerstone integration lifted Plumas to 19 branches across Northern California and Nevada.
Plumas Bank’s June 30, 2026 net interest margin reached 5.13%, unusually wide for community banking.
Management keeps returning capital: February 2, 2026 authorized a $25 million buyback.

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Company News

StockTitan

Jun 3rd, 2025

Plumas Bancorp and Cornerstone Merger Approved

Cornerstone Community Bancorp and Plumas Bancorp announced that Cornerstone's shareholders approved the merger with Plumas, converting each Cornerstone share into cash and Plumas stock. The merger, expected to complete by early July 2025, has received necessary regulatory approvals, with no need for Plumas shareholder approval. Plumas CEO Andrew J. Ryback highlighted the merger as a key milestone, enhancing services by combining Cornerstone's local expertise with Plumas's technology and solutions.

American Banker

Jan 29th, 2025

Plumas Bancorp strikes deal to acquire peer in California

The Reno, Nevada-based buyer said it would pay $64.6 million in cash and stock for Cornerstone Community Bancorp, and it expects to close the transaction in the second half of the year.

GlobeNewswire

Jan 29th, 2025

Plumas Bancorp To Acquire Cornerstone Community Bancorp

RENO, Nev., Jan. 29, 2025 (GLOBE NEWSWIRE) -- Plumas Bancorp (“Plumas”) (Nasdaq: PLBC) and Cornerstone Community Bancorp (“Cornerstone”) (OTCPK: CRSB) jointly announce the signing of a definitive merger agreement (the “Agreement”) whereby Plumas will acquire Cornerstone in a stock and cash transaction valued at approximately $64.6 million (the “Transaction”) based on the closing price of $47.76 for Plumas shares on January 28, 2025. On a pro forma consolidated basis, the combined company would have approximately $2.3 billion in assets, $2.0 billion in deposits, $1.5 billion in loans, and operate 19 branches throughout Northern California and Western Nevada.Cornerstone, headquartered in Red Bluff, California, is the parent company of Cornerstone Community Bank, a 19-year-old bank with approximately $658 million in assets as of December 31, 2024. Cornerstone Community Bank operates through four branches throughout the Northern California counties of Shasta and Tehama.“We are thrilled to announce our merger agreement with Cornerstone,” said Andrew J. Ryback, President and Chief Executive Officer, Plumas Bancorp. “Our companies share a connection to the people and businesses who have built their livelihoods throughout Northern California

Plumas Bank

Commercial Loan Officer