Commercial Loan Officer III

Responsibilities

• Develop new commercial real estate and C&I loan relationships.
• Oversee the evaluation of complex commercial credit requests, including underwriting, covenant structuring, collateral analysis, and risk grading.
• Execute a commercial portfolio management strategy aligned with Lead’s objectives, regulatory requirements, and risk tolerance.
• Conduct strategic portfolio reviews to monitor concentration risk, credit quality, and economic impacts; present findings to senior management and committees.
• Guide interest rate, fee structures, and lending terms to reflect risk and market dynamics.
• Ensure compliance with internal credit policies and external regulations; stay ahead of emerging regulatory and economic developments impacting lending practices.
• Serve as a credit subject matter expert for both internal teams and client-facing situations.
• Serve as a trusted advisor to key commercial clients, identifying opportunities to deepen relationships through integrated banking solutions.
• Partner with Portfolio Managers, Underwriters, and Product Specialists to develop custom financing and treasury strategies for clients.
• Conduct regular site visits and strategic reviews with clients to anticipate needs and mitigate risk.
• Mentor and develop junior commercial lenders, portfolio managers, and credit analysts by cultivating a culture of continuous learning, accountability, and excellence.
• Act as a key contributor in cross-functional initiatives, collaborating across lending, operations, compliance, and executive leadership.
• Lead and support new business development efforts, contributing to strategic growth goals through referrals and active pipeline management.
• Maintain portfolio performance reporting, documentation tracking, and exception management, while driving timely resolution of compliance and operational gaps.
• Champion the use of digital tools, data analytics, and modern contact development, loan origination, and portfolio management techniques to enhance efficiency, productivity, and insight.
• Represent the Bank at industry events, client functions, and community engagements to build visibility and trust.
• Perform other duties as assigned

• 7+ years of experience in commercial lending, portfolio management, or credit risk, ideally within a regulated banking environment.
• Proven new business development skills.
• Proven expertise in credit structuring, financial statement analysis, and commercial lending policies.
• Strong strategic and analytical skills; ability to interpret complex data and translate into actionable insights.
• Excellent communication, negotiation, and presentation skills across senior internal and external stakeholders.
• Demonstrated leadership capability, with experience mentoring and guiding junior professionals.
• Proficiency with loan origination and portfolio management tools, electronic spreadsheets, and risk monitoring software.
• A self-starter with a collaborative mindset and a strong sense of accountability.
• A background in SBA lending is a plus, as is familiarity with nCino.