Commercial Loan Officer

Commercial Loan OfficerIn this role, you will be responsible for originating, underwriting, and managing a portfolio of commercial loans. You will work closely with business clients to understand their financial needs and provide tailored lending solutions that align with the bank's policies and risk parameters.As a key player in our commercial lending division, you'll have the opportunity to drive business growth, develop long-lasting client relationships, and contribute to the overall success of the bank.Key Responsibilities:Loan Origination & Underwriting: Source and originate new business loan opportunities, including term loans, lines of credit, and SBA loans. Conduct thorough credit analysis and underwriting for new and existing commercial loans.Client Relationship Management: Build and maintain strong relationships with business clients, offering personalized financial solutions. Act as a trusted advisor, helping clients navigate their borrowing needs.Risk Assessment: Evaluate loan applications, review financial statements, and assess risk levels to ensure the bank's lending guidelines and regulatory standards are met.Portfolio Management: Monitor an existing portfolio of loans, ensuring proper servicing and timely repayment. Address any issues that may arise and work to resolve them effectively.Business Development: Actively pursue new business opportunities through networking, local business engagement, and collaboration with internal teams, including branch managers and relationship bankers.Cross-Department Collaboration: Work with internal departments such as credit, legal, and operations to ensure smooth loan processing and compliance with bank policies.Market Knowledge: Stay informed about the local market, economic trends, and competitive landscape to offer valuable insights to clients and adjust lending strategies accordingly.Qualifications:Education: Bachelor's degree in Business, Finance, Economics, or related field. (Master's degree or professional certification is a plus.)Experience: Minimum of 3 years of experience in commercial lending, business banking, or related financial services. Experience with SBA lending is highly preferred.Skills:Strong knowledge of commercial lending products, underwriting processes, and credit analysis.Exceptional relationship-building and communication skills.Ability to assess financial documents, including balance sheets, income statements, and cash flow projections.Strong problem-solving abilities and attention to detail.Proficient in Microsoft Office Suite (Word, Excel, PowerPoint) and experience with loan origination software.Certifications: Certified Commercial Loan Officer (CCLO) or similar certifications are a plus but not required.Benefits:Compensation: Competitive salary plus incentive structure based on loan production and portfolio growth.Health & Wellness: Comprehensive medical, dental, and vision plans.Retirement: 401(k) plan with company matching.Paid Time Off: Generous PTO and paid holidays.Professional Development: Opportunities for career growth, training, and development.Work-Life Balance: Flexible work options where applicable and a supportive work environment.To apply, please reach out to Sal Langerock at View email address on click.appcast.io or View phone number on click.appcast.io.