Commercial Lender

The Commercial Lender is responsible for originating, structuring, underwriting, and closing complex commercial loans, including equipment, construction, manufacturing, and commercial real estate financing. This role requires a high level of expertise in financial analysis, credit risk assessment, and regulatory compliance, along with the ability to build and maintain strong client relationships and drive business development. Key Responsibilities Lead business development efforts by identifying and cultivating new lending opportunities Conduct in-depth financial analysis of borrowers and guarantors, including financial statements, tax returns, and credit history Assess credit risk and structure loan terms aligned with internal policies and market conditions Negotiate loan terms, pricing, and conditions with a focus on balancing profitability and risk Collaborate closely with Credit Analysts to gather and evaluate financial data and complete underwriting Prepare and present loan requests to senior management or Loan Committee Manage the full loan lifecycle from origination through closing, including documentation review and coordination of funding Perform site visits, maintain ongoing client relationships, and ensure a strong portfolio performance Monitor existing loans, including renewals and credit reviews Stay current on economic trends, industry developments, and regulatory requirements Support workouts, bankruptcies, and problem loan resolution in coordination with legal and collections teams Participate in annual reviews and portfolio risk assessments Experience & Qualifications Bachelor's degree (or equivalent experience) with 5+ years of progressive experience in commercial lending, financial analysis, or banking operations Proven expertise in analyzing financial statements, credit risk, and loan structuring Strong background in commercial, construction, and real estate lending Demonstrated knowledge of state and federal banking regulations and compliance standards Advanced analytical, problem-solving, and negotiation skills Strong interpersonal and communication abilities with experience managing client relationships Ability to independently manage a loan portfolio and make sound credit decisions Additional Information Competitive salary based on experience and qualifications Incentive-eligible position Full benefits package including medical, dental, vision, life, disability, and 401(k)

Benefits:

401(k) matching Flexible spending account Health insurance Health savings account Life insurance Paid time off Vision insurance

Work Location:

In person