Commercial Loan Officer

Job Description

Job Description

### Commercial Loan Officer ### Location: Fort Collins, CO ### Salary Range: $85,380 to $106,725 per year ### Position Summary An experienced Commercial Loan Officer is needed to join a dynamic lending team in Fort Collins, Colorado. This is an excellent opportunity for a motivated financial professional to make a meaningful impact by helping local businesses secure the funding they need to grow, expand, and thrive. Fort Collins is one of Colorado's fastest-growing cities, with a vibrant entrepreneurial community, a robust small business ecosystem, and a diverse economic landscape that spans technology, agriculture, manufacturing, and retail sectors. As a Commercial Loan Officer, you will play a central role in supporting that economic vitality by building lasting relationships with business owners, understanding their unique financial needs, and structuring loan solutions that align with both client goals and organizational lending standards. This position offers significant career advancement potential for professionals who are passionate about commercial lending, community development, and financial service excellence. You will work alongside experienced underwriters, credit analysts, and relationship managers in a collaborative, fast-paced environment that rewards initiative, expertise, and exceptional client service. ### Core Responsibilities - Develop and manage a portfolio of commercial loan clients, including small businesses, mid-sized companies, and real estate investors - Solicit new commercial lending business through networking, referrals, community involvement, and cold outreach strategies - Conduct detailed financial analysis of business clients, including review of tax returns, balance sheets, cash flow statements, and profit and loss reports - Structure, underwrite, and present commercial loan packages that meet credit policy guidelines and client financing objectives - Collaborate with internal credit teams to ensure loan submissions are complete, accurate, and well-supported with appropriate documentation - Monitor existing loan portfolio performance, identifying early warning signs of credit deterioration and taking proactive steps to mitigate risk - Maintain current knowledge of commercial lending regulations, compliance requirements, and industry best practices - Represent the organization at local business events, chamber of commerce functions, and community gatherings to promote lending services - Provide exceptional client service throughout the loan origination process, maintaining clear communication from application through closing ### Must-Have Requirements - Minimum of three years of experience in commercial lending, business banking, or a closely related financial services role - Demonstrated ability to analyze complex financial statements and assess business creditworthiness accurately - Strong understanding of commercial real estate, business term loans, lines of credit, and SBA lending programs - Excellent interpersonal and communication skills, with the ability to build trust with diverse business clients - Proficiency with loan origination software and standard financial analysis tools - Bachelor's degree in Finance, Business Administration, Economics, or a related field preferred - Valid driver's license and ability to travel locally within the Fort Collins and northern Colorado region as needed ### Benefits and Perks Joining this lending team means accessing a comprehensive and competitive benefits package designed to support your professional success and personal well-being. Team members enjoy full medical, dental, and vision insurance coverage with multiple plan options to fit varying individual and family needs. A generous retirement savings plan with employer matching contributions helps build long-term financial security. Employees receive paid time off, including vacation days, sick leave, and observed holidays, ensuring a healthy work-life balance throughout the year. Professional development support includes reimbursement for continuing education, industry certifications, and relevant training programs. Additional perks include flexible scheduling options, an employee wellness program, life insurance coverage, and disability benefits. Performance-based incentive compensation is available, rewarding strong portfolio growth and exceptional client service outcomes. ### Screening Questions 1. How many years of commercial lending experience do you have, and what types of commercial loan products have you originated and managed throughout your career? 2. Can you describe a specific situation where you structured a complex commercial loan for a business client facing challenging financial circumstances, and what steps you took to successfully close that transaction? 3. Are you familiar with SBA loan programs, including the 7(a) and 504 loan structures, and have you personally originated SBA-backed loans for small business clients in previous roles?