Commercial Loan Officer

Job Description

Job Description

### Commercial Loan Officer ### Location: Denver, CO ### Salary Range: $85,380 to $106,725 per year ### Position Summary We are seeking an experienced and driven Commercial Loan Officer to join a growing lending team in Denver, Colorado. This full-time, permanent position offers an outstanding opportunity for a motivated financial professional to make a meaningful impact by helping businesses across the region secure the funding they need to thrive and expand. The successful candidate will play a central role in building and managing a commercial loan portfolio while delivering exceptional service to business clients of all sizes. Denver's dynamic and rapidly expanding economy makes this an especially exciting time to work in commercial lending. The region continues to attract businesses across technology, healthcare, real estate, and professional services sectors, creating consistent and growing demand for commercial financing solutions. As a Commercial Loan Officer in this market, you will have the opportunity to build lasting relationships with local business owners, entrepreneurs, and corporate clients while contributing to the economic vitality of the broader community. This role offers a clear and well-supported path for career advancement, including opportunities to grow into senior lending or portfolio management positions as you demonstrate results and deepen your expertise in commercial finance. ### Core Responsibilities - Develop and manage a pipeline of commercial loan prospects through proactive business development, referral networks, and community outreach activities - Conduct thorough financial analysis of business loan applications, including reviewing financial statements, tax returns, cash flow projections, and credit histories - Structure, underwrite, and present commercial loan packages tailored to meet individual client needs while adhering to established credit policies and risk guidelines - Maintain and grow relationships with existing commercial clients by providing ongoing financial guidance, identifying cross-sell opportunities, and ensuring high levels of satisfaction - Collaborate closely with underwriters, credit analysts, and loan processors to ensure timely and accurate loan closings - Stay current on lending regulations, compliance requirements, and market trends affecting commercial lending in Colorado and nationally - Represent the organization at community events, business associations, and networking functions to generate new business opportunities - Prepare and present detailed loan recommendation reports to credit committees and senior leadership ### Must-Have Requirements - Minimum of three years of direct experience in commercial lending, business banking, or a closely related financial services role - Demonstrated ability to analyze complex financial documents and assess creditworthiness of commercial borrowers - Solid understanding of commercial real estate loans, business term loans, lines of credit, and SBA lending products - Strong knowledge of applicable lending regulations including relevant federal and state compliance standards - Excellent interpersonal and communication skills with the proven ability to build and sustain trusted client relationships - Self-motivated with strong organizational skills and the ability to manage multiple transactions simultaneously - Bachelor's degree in Finance, Business Administration, Economics, or a related field is preferred ### Benefits and Perks - Competitive base salary ranging from $85,380 to $106,725 annually, commensurate with experience - Performance-based bonus program tied to loan production and portfolio quality metrics - Comprehensive medical, dental, and vision insurance plans with multiple coverage tiers - Employer-sponsored 401(k) retirement plan with generous matching contributions - Paid time off including vacation days, sick leave, and recognized holidays - Professional development support including tuition reimbursement and sponsorship of industry certifications - Flexible scheduling options and a collaborative, supportive team culture - Employee wellness programs and access to mental health resources - Opportunities for internal advancement into senior lending, management, or specialized credit roles ### Screening Questions 1. How many years of experience do you have specifically in commercial lending or business banking, and what types of commercial loan products have you most frequently worked with throughout your career? 2. Can you describe a specific instance where you successfully structured a complex commercial loan deal that required creative problem-solving to meet both the client's needs and internal credit policy requirements? 3. Are you currently located in the Denver, Colorado metropolitan area, or are you prepared to relocate prior to your start date, and do you hold any active lending licenses or relevant professional certifications such as a Certified Lender Business Banker designation?