Commercial Lender

About the role

This full-time, on-site role is based in Toledo, OH. The Commercial Lender is responsible for originating, structuring, and managing commercial loan relationships, including meeting with current and prospective business clients to understand their financing needs. Day-to-day activities include analyzing financial statements, preparing loan proposals, underwriting credit requests, and monitoring loan performance and risk. The role collaborates with internal teams to ensure timely loan processing, compliance with regulatory and bank policies, and high-quality customer service. It also involves building and maintaining strong community and referral relationships to grow the commercial portfolio, while supporting Signature Bank’s Gold Standard Service philosophy.

Responsibilities

• Originate, structure, and manage commercial loan relationships
• Meet with current and prospective business clients to understand financing needs
• Analyze financial statements and prepare loan proposals
• Underwrite credit requests and monitor loan performance and risk
• Collaborate with internal teams to ensure timely loan processing and compliance with regulatory and bank policies
• Provide high-quality customer service and support Signature Bank’s Gold Standard Service philosophy
• Build and maintain strong community and referral relationships to grow the commercial portfolio

Qualifications

• Strong lending and credit skills, including experience with underwriting and evaluating commercial loans
• Knowledge of finance, including financial statement analysis, cash flow evaluation, and risk assessment
• Experience with SBA and other government-backed loan programs, with the ability to structure appropriate financing solutions
• Demonstrated customer service skills and ability to build long-term client relationships
• Familiarity with loan documentation, regulatory compliance, and bank lending policies
• Bachelor’s degree in Finance, Business, Accounting, or a related field, or equivalent relevant experience
• Strong communication, negotiation, and presentation skills, with the ability to interact effectively with business owners and executives
• Proven ability to work on-site in a collaborative team environment and manage multiple transactions simultaneously
• Prior commercial banking or lending experience in a community or regional bank setting is highly beneficial