Senior Commercial Loan Officer

Company Description Sound Community Bank is a state-chartered commercial bank headquartered in Seattle, Washington, serving consumers and small businesses across the region. The bank offers a comprehensive suite of financial products, including mortgage, commercial, and consumer loans, as well as checking, savings, money market accounts, and certificates of deposit. With a community-focused approach, Sound Community Bank emphasizes personalized service, long-term client relationships, and responsible banking practices. Team members join a stable, client-centric organization that values integrity, collaboration, and professional growth. Role Description This is a full-time, hybrid Senior Commercial Loan Officer role based in Seattle, WA, with the flexibility to work from home part of the time. The Senior Commercial Loan Officer is responsible for sourcing, developing, and managing commercial banking relationships with small and mid-sized business clients. Daily activities include originating and structuring commercial loans, gathering financial information, preparing credit requests, and collaborating with underwriting and credit teams to ensure sound lending decisions. The role involves monitoring existing loan portfolios for credit quality, covenant compliance, and risk, while proactively identifying cross-sell opportunities for other bank products and services. The Senior Commercial Loan Officer will also participate in community and business networking events, maintain detailed documentation in accordance with bank policies and regulatory requirements, and work closely with internal partners to deliver a high level of client service. Qualifications Strong background in commercial lending and experience working as a Loan Officer or in a similar client-facing credit role. Solid understanding of Finance, including financial statement analysis, cash flow evaluation, and risk assessment for business clients. Proficient in credit analysis and Underwriting, with the ability to structure loans that align with bank policies and regulatory guidelines. Hands-on experience with commercial Loans, including term loans, lines of credit, and real estate-secured facilities. Knowledge of SBA lending programs and processes, with experience originating or managing SBA loans preferred. Proven ability to develop and grow a portfolio through business development, networking, and relationship management. Excellent written and verbal communication skills, with strong negotiation and client service abilities. High level of integrity, attention to detail, and the ability to manage multiple priorities in a regulated environment. Bachelor's degree in Finance, Business, Accounting, or a related field, or equivalent combination of education and experience. Prior experience in commercial banking within the Seattle or broader Pacific Northwest market is a plus. POSITION RESPONSIBILITIES Duties may include but are not limited to: Responsibility #1 Loan Production and Maintenance Originate, underwrite, and service a portfolio of commercial banking relationships and cross-sells other banking services when appropriate Monitor existing loan portfolios to maintain a high quality asset base and assist in collection of past due loans Negotiate renewals of credit facilities. Recommend approval of loan payments, construction draw requests, draws from lines of credit and funds transfers with specified limits Responsibility #2 Credit and Borrower Analysis Screen potential commercial borrowers by analyzing their business plan, strategies, and projections, as well as, historical financial statements and business results Meet with existing customers and prospects through various methods to discuss business needs and recommend ways in which the Bank can provide solutions Work with Credit Analysts to accurately review prospective borrower requests and coordinate processing of approved loans Test financial loan covenants and prepare annual term loan reviews Ensure all loan documents are correct, signed and recorded/perfected. Ensure all supporting documentation is complete and signed where necessary. Responsibility #3 New Business Development / Community Outreach Engage in business development activities and solicit new high quality loan and deposit business to achieve volume and/or production goal Represent SCB at various community functions and professional/civic groups to further enhance the Bank’s image and visibility Responsibility #4 Continuing Education Update job knowledge by participating in educational opportunities, maintaining personal networks and participating in professional organizations. Other Duties as Assigned Each employee makes a significant contribution to the success of Sound Community Bank. Employees must have an overall understanding of department operations, and ensure compliance with regulatory requirements, including the Bank Secrecy Act. It is expected that each employee will readily accept additional duties and offer their services wherever and whenever necessary to ensure our success. Corporate Core Values Demonstrates behavior and actions which support Sound Community Bank’s values and actively participates in volunteering. O ur employees are our most important asset. R esults matter. C ommunity is our heart. A ccess and sustainability are critical. Compensation Salary is dependent on experience. $126,560.00 - $189,840 per year Health and Retirement Benefits Health, Dental, and Vision insurance plans for employee and dependents Employer-paid Group Life & AD/D insurance Wellness Program discount towards medical insurance premiums, Employee Assistance Program 401(k) plan options with up to 3.5% employer match and Employee Stock Ownership Program (ESOP) Voluntary benefits include: Health Savings Account (HSA), Voluntary Life & AD/D, Accident Plan, Critical Illness Coverage, Short-term Disability, Long-term Disability, Flexible Spending Account (FSA) and Dependent Care Account Two weeks Paid Vacation, Paid Employee Days for Birthday and Hire Date Anniversary, Paid Sick and Safe Time (7 days per year), Bank Paid Holidays (11 per calendar year) Other Benefits We also offer the following (some perimeters apply): Tenure Bonus Program, Continuing Education/Tuition Assistance - up to $2,500 per year, Student Loan Debt Repayment - up to $100 per month, ORCA Passport/Transportation Alternatives/Benefit Allowance, Charitable Donation Matching Program, Gym/Health monthly reimbursement, Pet Insurance monthly reimbursement, Employee mortgage and consumer loans, Banking services (of course!) free of normal service charges, Employee Recognition Program EEO is the Law Sound Community Bank is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability status, protected veteran status or any other characteristic protected by law. #J-18808-Ljbffr Sound Community Bank