Commercial Lender

Base pay range: $/yr - $/yr

Annual Bonus

Job Title: Commercial Lender (Specific title dependent on experience)

Our client is a family‑owned, growing community bank with a strong capital and liquidity position and a commitment to relationship‑driven banking. With direct access to decision‑makers and a streamlined credit process, the bank is well‑positioned and eager to deploy capital to support continued growth in San Marcos and the surrounding areas.

The bank is seeking an experienced Commercial Lender to help expand its commercial loan portfolio in the San Marcos market. This individual will serve as a generalist commercial banker, responsible for originating, structuring, and managing a diverse portfolio of CRE and C&I loans while developing strong relationships within the local business community.

The ideal candidate brings an established network in the market, a strong understanding of credit, and the ability to source new business while maintaining disciplined underwriting standards.

• Originate, structure, and close commercial loans, including Commercial Real Estate (CRE) and Commercial & Industrial (C&I) transactions
• Develop new business through active calling efforts, networking, and community involvement
• Build and manage a high‑quality commercial loan portfolio
• Analyze financial statements, cash flow, and collateral to assess credit risk
• Prepare and present credit requests in accordance with bank policies
• Maintain strong relationships with borrowers and serve as a trusted financial advisor
• Collaborate closely with senior management and credit partners, with direct access to decision‑makers
• Ensure compliance with regulatory requirements and internal credit standards

• 5+ years of experience in commercial lending
• Experience with both CRE and C&I lending as a generalist
• Formal credit training and/or prior experience in a credit role
• Strong understanding of commercial underwriting and credit analysis
• Proven ability to source new loans and build a portfolio
• Established network and market presence in San Marcos and the surrounding area
• Excellent relationship management, communication, and business development skills

• Family‑owned community bank with a relationship‑focused culture
• Direct access to senior leadership and credit decision‑makers
• Strong capital and liquidity position; ready and willing to lend
• Opportunity to make a meaningful impact on growth in the San Marcos market
• Entrepreneurial environment with less bureaucracy than larger institutions

Not Applicable

Full‑time

Business Development and Finance

Banking and Financial Services

• Medical insurance
• Vision insurance
• 401(k)