Commercial Lender
Job in
Covington, Kenton County, Kentucky, 41011, USA
Listed on 2026-09-25
Listing for:
Rhode Island Commerce
Full Time
position Listed on 2026-09-25
Job specializations:
-
Finance & Banking
Credit Analyst, Risk Manager/Analyst, Loan Officer / Lending, Commercial Banking
Job Description & How to Apply Below
- Location 3600 Decoursey Ave,Latonia, KY, 41015,United States
- Employee Type Full Time
- Develop and maintain a portfolio of high-quality commercial loans through prospecting, networking, and relationship management.
- Analyze creditworthiness of borrowers using financial statements, tax returns, and other relevant documents.
- Structure, underwrite, and present commercial loan proposals that meet both the client's needs and the institution’s risk management standards.
- Conduct site visits, client interviews, and financial reviews as part of the due diligence process.
- Monitor existing loan portfolio for credit risk, covenant compliance, and performance issues; take proactive steps to mitigate risk.
- Work closely with credit analysts, loan processors, underwriters, and legal/compliance teams to ensure timely loan closings.
- Maintain knowledge of local market trends, economic conditions, and competitor products to inform lending strategies.
- Ensure compliance with all internal policies and external regulations, including lending limits, documentation requirements, and reporting standards.
- Participate in community and business development activities to promote the institution’s presence and attract new commercial clients.
- Conducts daily operation in accordance with the laws, regulation, policies, procedure, and expectations of the Bank. Compliance will be recognized as part of the period performance review; noncompliance may result in disciplinary action, up to and including termination of employment.
- Bachelor’s degree in Finance, Business Administration, Accounting, or a related field required.
- 3–5+ years of experience in commercial lending, credit analysis, or business banking within a financial institution.
- Strong understanding of credit structuring, commercial loan products, financial statement analysis, and risk assessment.
- Knowledge of commercial loan regulations and compliance requirements, including SBA lending (preferred but not required).
- Demonstrated ability to build relationships and grow a loan portfolio.
- Excellent communication, negotiation, and analytical skills.
- Proficient in Microsoft Office and loan origination/credit analysis software.
- 401 (K) Retirement Plan with Company Match
- Company paid Life Insurance for full-time employees.
- Paid Bank Holidays
- Sick & Personal Time
- Accrued Vacation time begin day one.
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