Commercial Loan Officer

Albany, NY / Capital Region

Base Salary: $85,000–$110,000 based on experience

Total Earning Potential: $135,000–$180,000+ when including performance-based incentives

EverPeak Recruitment is conducting an exclusive search for an experienced Commercial Loan Officer to join a well-established financial institution expanding its footprint into the Capital Region. This is an excellent opportunity for a relationship-focused banking professional who enjoys business development, commercial lending, and working directly with local business owners.

The successful candidate will be responsible for developing new commercial relationships while managing and expanding an existing portfolio.

Key Responsibilities Include:

• Develop and maintain relationships with commercial clients and prospective borrowers
• Generate new business through networking, referrals, community involvement, and direct outreach
• Analyze financial statements and business performance to assess credit opportunities
• Structure and recommend commercial lending solutions based on client needs
• Manage an assigned commercial loan portfolio and monitor financial performance
• Balance portfolio growth with sound credit and risk management
• Identify opportunities for additional banking services, including cash management, deposits, merchant services, insurance, and wealth management
• Provide guidance on commercial lending programs, including SBA 7(a)
• Develop referral relationships with local professionals, businesses, and community organizations
• Represent the organization at networking and community events
• Collaborate with colleagues and share knowledge to support team development

What We're Looking For:

• Commercial lending experience within a bank, credit union, or similar financial institutions
• Strong business development and relationship-management skills
• Experience analyzing financial statements and evaluating credit opportunities
• Knowledge of commercial loan products and underwriting principles
• Familiarity with SBA lending
• Excellent communication, networking, and interpersonal skills
• Ability to develop relationships and identify opportunities within the local business community
• Strong judgment, organization, and attention to detail

Compensation & Benefits

• $85,000–$110,000 base salary, based on experience
• Significant quarterly incentive opportunity, with high performers having the potential to earn $75,000+ annually in bonuses
• Medical, dental, and vision insurance
• Health Savings Account contribution
• Paid holidays and generous PTO
• 401(k) with employer match
• Tuition reimbursement
• Life insurance and AD&D coverage
• Short-term disability coverage
• Employee Assistance Program
• Professional development, advancement opportunities and more!

Why Consider This Opportunity?

This is an opportunity to join a stable, community-focused financial organization voted one of CNY's best places to work. Their commercial lenders are encouraged to build relationships, grow their portfolios, and become trusted advisors to local businesses.

If you're an established commercial lender who enjoys business development, relationship building, and helping businesses secure the financing they need to grow, apply today!