Commercial Lender

Commercial Lender – Job Description Overview

We are seeking an experienced Commercial Lender to join our team and play a key role in growing and managing client relationships. The ideal candidate will be a proactive banker who can generate new business, structure and close complex transactions, and provide ongoing portfolio management while maintaining strong credit quality.

• Develop and manage a portfolio of commercial clients across industries such as manufacturing, professional services, real estate, and healthcare.
• Source new business opportunities through prospecting, networking, and building Centers of Influence (COIs).
• Analyze financial statements, cash flow, collateral, and other credit factors to structure sound lending solutions.
• Partner with credit and underwriting teams to prepare and present loan packages for approval.
• Negotiate terms and conditions, prepare term sheets, and lead the closing process for commercial loans.
• Maintain regular contact with clients to provide exceptional service, monitor credit performance, and cross-sell additional banking products (treasury management, deposits, merchant services, etc.).
• Stay current on market trends, industry developments, and competitor activity to identify new opportunities.
• Represent the bank in the community through involvement in local organizations, events, and professional associations.

• Bachelor’s degree in business, finance, accounting, or related field preferred.
• 5+ years of experience in commercial lending, credit analysis, or relationship management.
• Strong knowledge of commercial loan products, underwriting principles, and the 5 Cs of credit.
• Proven track record of new business development and portfolio growth.
• Excellent communication, negotiation, and relationship-building skills.
• Ability to work independently while collaborating effectively with internal teams.

• Opportunity to directly impact the growth of the bank and local businesses.
• Entrepreneurial environment with direct access to decision-makers and senior leadership.
• Competitive compensation package with base salary, performance incentives, and full benefits.
• A supportive culture that values client relationships, community involvement, and long-term success.