Senior Commercial Lender

Ultimate Staffing Services is actively seeking a seasoned Senior Commercial Lender to join their esteemed client's team in Maryland. This role involves managing and expanding a diverse portfolio of commercial loans and requires a professional who is adept at developing business strategies, analyzing financial data, and ensuring compliance with lending policies and regulations.

Responsibilities

• Originate, manage, and service a diverse commercial loan portfolio, including:
  • Commercial Real Estate
  • Investment Real Estate
  • Construction Lending
  • Working Capital Facilities
  • Operating Lines of Credit
  • Small Business Lending
  • Middle-Market Commercial Lending
  • Asset-Based Lending
• Develop and execute business development and marketing strategies designed to retain existing clients and generate new lending and deposit relationships.
• Independently analyze financial information to evaluate borrower qualifications, assess creditworthiness, and structure appropriate financing solutions.
• Prepare financial analyses, underwriting packages, and credit recommendations while ensuring compliance with organizational lending policies, guidelines, and applicable regulatory requirements.
• Present credit recommendations to lending and credit approval committees.
• Maintain and expand relationships within an assigned commercial portfolio.
• Conduct annual reviews, loan renewals, site visits, and ongoing risk assessments.
• Monitor portfolio performance and recommend appropriate risk rating adjustments.
• Develop and maintain referral networks with accountants, attorneys, commercial real estate professionals, and other business advisors.
• Cross-sell treasury management, deposit products, and other business financial services where appropriate.
• Participate in collection and workout activities when delinquency issues arise.
• Represent the organization at business events, networking functions, industry conferences, and community engagements.
• Deliver presentations and educational sessions related to business banking and commercial lending services.
• Perform additional duties as assigned.

Performance Expectations

• Develop and close a significant volume of new commercial loan production annually, subject to established underwriting standards and credit approval requirements.
• Generate meaningful growth in commercial deposit relationships.
• Build a robust pipeline of lending opportunities through business development and referral activities.
• Maintain high portfolio quality and strong client retention.
• Generate $10M of new loans (excluding participations) within the first year.
• Generate a minimum of $1,500,000.00 annually in business deposits.

Qualifications

Education:

• Bachelor's degree in Accounting, Finance, Economics, Business Administration, or a related field preferred.
• Advanced degree or professional designation is a plus.

Experience:

• Five (5) or more years of commercial lending and/or credit analysis experience required.
• Five (5) to eight (8) years of business banking, commercial banking, or comparable financial services experience required.
• Proven track record of commercial loan origination, underwriting, and relationship management.

Preferred Qualifications

• Completion of a formal commercial credit training program.
• Strong understanding of commercial lending regulations, credit risk assessment, and loan structuring.
• Demonstrated business development and networking skills.
• Experience speaking at business, industry, or small business events.
• Strong written and verbal communication skills.
• Ability to work independently while managing multiple priorities and deadlines.

Schedule

• Monday - Friday
• Upon completion of 90 days, incumbent may work a hybrid schedule.

Benefits

• Medical, Dental, and Vision Coverage
• 401(k) Plan with Employer Match

Pay

$90,000 - $130,000 annually