Commercial Lender

Job Description

Job Description

Be a Key Leader in Our Columbia Branch

Investors Community Bank is a relationship-driven community bank with a strong focus on business banking and commercial lending—while still offering the personal banking services our customers rely on. We're proud to serve our clients with expertise, integrity, and a deep commitment to local communities.

Investors Community Bank is a relationship-driven community bank with a strong focus on business banking and commercial lending. We're seeking both experienced professionals and motivated developing talent to join our Lending team. This role is posted at both a Senior Lender and Lender level, with the specific title, responsibilities, and compensation commensurate with your experience.

You will play a critical part in the bank's lending function, focusing on the credit analysis, underwriting, and portfolio management of commercial loans. You will work closely with the bank president to ensure growth is managed prudently.

• Senior Lender: You will take a more strategic role, handling complex transactions, managing overall portfolio risk, and mentoring junior staff.
• Lender: You will focus on the fundamental work of preparing credit analysis, financial statement spreading, and supporting the senior team.

Responsibilities will be assigned based on the candidate's experience level:

Both Senior Lender / Lender:

• Analyze commercial borrower financial statements, projections, and cash flow to assess credit risk.
• Prepare detailed, well-supported credit analysis and underwriting memos for new and renewal loan requests.
• Monitor existing loan portfolio performance, covenant compliance, and track required borrower financial reporting.
• Collaborate on loan structure and due diligence.
• Perform financial spreading and credit scoring functions for routine commercial credit reviews.
• Assist in the preparation of loan documentation and ensure all credit file components are complete and accurate.
• Gather and organize third-party reports (appraisals, environmental, etc.) required for underwriting.
• Learn and adhere strictly to all regulatory compliance requirements and internal bank policies.

Senior Lender:

• Underwrite complex and high-value commercial credit requests, including C&I, CRE, and specialized loans.
• Serve as a resource and mentor for Junior Lenders and relationship staff on credit policy and loan structuring.
• Assist the Chief Credit Officer in developing, documenting, and implementing credit policies and risk models.
• Present credit recommendations and portfolio reviews to the bank's Loan Committee or executive team.

We are seeking candidates with relevant experience in a lending, underwriting, or credit analysis capacity within a banking environment.

• Education: Bachelor's degree in Finance, Accounting, Economics, or a related field is required.
• Experience:
• Senior Lender: 5+ years of direct experience in commercial credit underwriting and portfolio management, with demonstrated experience in mentoring staff or managing complex transactions.
• Lender: 1+ years of experience in a banking or financial analysis role, demonstrating a strong foundational knowledge of financial statement analysis and credit fundamentals.
• Skills:
• Expertise in financial analysis and cash flow modeling.
• Exceptional written and verbal communication skills for clear report writing and presentations.
• Thorough understanding of regulatory compliance and risk management principles in commercial lending.
• Ability to work effectively in a team environment while also managing individual workload priorities.

Compensation

• $55k-$125k plus incentives

Benefits Offered (Full-time employees)

• Health Coverage: Comprehensive medical, dental, and vision plans. Also offers a Health Payment Account (HPA).
• Retirement: Safe Harbor 401(k) plan with a dedicated wealth advisor.
• Wellness/Ancillary: Includes supplemental benefits including Accident, Critical Illness, Short-Term Disability and employer-paid Life Insurance.