Senior Commercial Lender

Key Responsibilities Business Development

• Originate new CRE opportunities including income-producing properties, owner-occupied real estate, construction, and development loans
• Develop and maintain referral networks with brokers, developers, attorneys, CPAs, and community leaders
• Proactively identify cross-sell opportunities across treasury management, deposits, and other bank services
• Represent the bank at community and industry events

• Structure and negotiate loan terms in accordance with bank policy
• Analyze borrower financial statements, tax returns, global cash flow, rent rolls, and appraisals
• Prepare comprehensive credit presentations and risk assessments
• Ensure adherence to regulatory guidelines and internal credit standards

• Manage and grow an existing CRE portfolio
• Monitor asset quality, covenant compliance, and collateral performance
• Conduct annual reviews and risk rating updates
• Proactively address problem credits and work with leadership on remediation strategies

• Bachelor's degree in Finance, Accounting, Business, or related field
• Minimum 5-10+ years of commercial lending experience with significant exposure to commercial real estate
• Demonstrated success in business development and portfolio growth
• Strong knowledge of CRE underwriting, cash flow analysis, and risk assessment
• Experience with construction and development lending preferred
• Strong communication, negotiation, and relationship management skills

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.