Senior Commercial Lender

Responsibilities

• Originate new commercial real estate (CRE) opportunities including income-producing properties, owner-occupied real estate, construction, and development loans.
• Develop and maintain referral networks with brokers, developers, attorneys, CPAs, and community leaders.
• Proactively identify cross-sell opportunities across treasury management, deposits, and other bank services.
• Represent the bank at community and industry events.

Credit & Underwriting

• Structure and negotiate loan terms in accordance with bank policy.
• Analyze borrower financial statements, tax returns, global cash flow, rent rolls, and appraisals.
• Prepare comprehensive credit presentations and risk assessments.
• Ensure adherence to regulatory guidelines and internal credit standards.

Portfolio Management

• Manage and grow an existing CRE portfolio.
• Monitor asset quality, covenant compliance, and collateral performance.
• Conduct annual reviews and risk rating updates.
• Proactively address problem credits and work with leadership on remediation strategies.

Qualifications

• Bachelor's degree in Finance, Accounting, Business, or related field.
• Minimum 5-10+ years of commercial lending experience with significant exposure to commercial real estate.
• Demonstrated success in business development and portfolio growth.
• Strong knowledge of CRE underwriting, cash flow analysis, and risk assessment.
• Experience with construction and development lending preferred.
• Strong communication, negotiation, and relationship management skills.