Commercial Lender

Key Responsibilities

• Develop and execute a strategic plan to grow a profitable commercial loan and deposit portfolio
• Originate, structure, and close complex commercial credit facilities across diverse industries
• Serve as the primary relationship manager for middle-market and commercial clients
• Proactively source new business through networking, referrals, and community involvement
• Lead client conversations as a trusted financial advisor, offering tailored banking solutions
• Analyze and interpret financial statements, cash flow, and industry trends to guide lending decisions
• Present and defend credit recommendations to senior credit officers and/or loan committees
• Maintain ongoing portfolio management, including risk rating accuracy, covenant compliance, and early identification of credit issues
• Partner with credit analysts, portfolio managers, treasury management, and executive leadership to deliver comprehensive client solutions
• Mentor junior lenders and support team development as needed

Qualifications

• Bachelor's degree in Finance, Accounting, Business, or related field (required)
• 3-5 years of commercial lending experience with demonstrated production success
• Proven ability to source, structure, and close commercial loans
• Strong credit acumen and experience with complex credit structures
• Established network and strong presence in the local market
• Experience presenting to loan committees and senior leadership

Key Skills & Competencies

• Advanced credit underwriting and risk assessment
• Business development and revenue generation
• Executive-level relationship management
• Loan structuring and negotiation
• Strategic thinking and market insight
• Leadership and mentorship
• Strong communication and presentation skills

Performance Expectations

• Consistently meet or exceed annual loan and deposit production goals
• Maintain strong asset quality and acceptable risk ratings across the portfolio
• Expand market share through new client acquisition and portfolio growth
• Demonstrate leadership within the bank and the community
• Contribute to overall bank profitability and strategic initiatives

About the Role

Commercial Lender is responsible for driving commercial loan and deposit growth through strategic business development, relationship management, and sound credit leadership. This role serves as a senior producer and trusted advisor to business clients while maintaining a high-quality loan portfolio aligned with the bank's risk appetite and growth objectives.