The Agency ยท 11 hours ago
Commercial Lender
The Agency is seeking a highly skilled and experienced Commercial Lender to join their dynamic team. This role involves driving the growth of a commercial lending portfolio by identifying, securing, and managing new business opportunities while building strong client relationships and ensuring compliance with regulations.
Responsibilities
Client Relationship Management: Cultivate and maintain relationships with existing and prospective clients, acting as their primary point of contact for all commercial lending needs
Loan Origination: Lead the origination of commercial loans, including conducting market research, assessing client financials, and structuring loan terms and conditions
Credit Analysis & Risk Management: Perform comprehensive credit analysis and risk assessments to evaluate loan viability and ensure compliance with internal guidelines, regulatory requirements, and risk tolerance
Deal Structuring & Negotiation: Negotiate terms and conditions of loan agreements, ensuring they align with both client requirements and company policies
Portfolio Management: Monitor and manage an assigned portfolio of commercial loans, ensuring timely repayments and identifying opportunities for additional lending or refinancing
Cross-functional Collaboration: Work closely with underwriting, legal, and other internal teams to ensure smooth loan processing and risk mitigation
Market Knowledge & Business Development: Stay informed of market trends and emerging opportunities, identifying new business prospects and contributing to the growth of the commercial lending division
Regulatory Compliance: Ensure all lending activities comply with applicable local, state, and federal regulations, as well as internal company policies
Qualification
Required
Bachelor's degree in Business, Finance, Economics, or a related field
Strong background in commercial real estate lending
Minimum of 5 years of experience in commercial lending, with a proven track record of managing and originating commercial loans
Strong knowledge of commercial lending products, credit risk management, and regulatory requirements
Commercial loan underwriting experience
Excellent interpersonal and communication skills, with the ability to build and maintain lasting relationships with clients and stakeholders
Strong analytical and problem-solving abilities, with keen attention to detail
Ability to work independently, manage multiple projects, and meet deadlines in a fast-paced environment
Proficiency in financial modeling, credit analysis, and loan documentation
Preferred
C&I experience is a plus as well