Commercial Lender

About the role

The Commercial Lender drives commercial loan and deposit growth through strategic business development, relationship management, and sound credit leadership. Acting as a senior producer and trusted advisor, the role maintains a high‑quality loan portfolio aligned with the bank’s risk appetite and growth objectives.

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 a 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.

Skills

• 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.

For a confidential conversation about this opportunity, please contact Denise Fair, Search Consultant, GPAC – Banking Division at denise.fair@gogpac.com.