Commercial Lender

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.

Key Skills and Requirements

• Commercial lending expertise (C&I, owner-occupied CRE, small business)
• Strong business development and portfolio growth ability
• Advanced financial analysis (cash flow, tax returns, collateral, risk)
• Proven credit structuring and underwriting capability
• Relationship-driven with strong client retention and COI network skills
• Solid knowledge of treasury management and deposit products
• Portfolio management: covenant tracking, renewals, and credit quality
• Excellent communication, negotiation, and advisory skills
• Strong understanding of banking regulations and compliance
• Ability to work cross-functionally with credit, ops, and leadership
• 3+ years commercial lending or related banking experience
• Bachelor's degree in Finance, Accounting, Business, or related field (preferred)
• Demonstrated success in sourcing and closing new loan business
• Experience preparing credit memos and loan presentations
• Strong credit analysis and underwriting background
• Proven ability to manage multiple client relationships simultaneously
• Proficiency in financial spreading tools and Microsoft Office
• Active involvement in local market / community engagement
• Self-starter with proactive calling and prospecting mindset
• Sound judgment with a conservative, risk-aware approach