Commercial Lending

Commercial Lending Finance Jobs

9 jobs found

Business Banker

First Citizens Bank Nashville, TN

1mo ago

Full time Banker Banking Business

Banker Banking Business

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Job Description

Overview

First Citizens Bank stands on strong leadership, enduring values and a commitment to helping people and businesses prosper. As a Business Banker, you will continue the bank’s tradition of developing and expanding relationships with business owners in your community to help them achieve their financial goals. You will acquire and manage a portfolio of business banking relationships and serve as the primary contact for borrowing needs up to $5MM. You will engage bank partners to provide a full range of deposit and related business services. Larger relationships may be managed with manager approval and/or appropriate partner support. You will develop and maintain an active prospect list, a customer outreach plan, and quality referral sources in accordance with a sales plan to achieve production goals and profitability objectives. Location: Nashville, TN 37212.

Responsibilities

Sales – Achieve individual and/or team financial, production and relationship results relative to the specific metrics and goals assigned. Sales outcomes should align with community needs and support the organization's commitment to diverse lending. Engage with customers, prospects and referral sources through proactive outreach. When appropriate, represent the Bank in the community by attending and participating in civic and community events to generate additional business and identify potential CRA opportunities for the Bank. Engage in sales practices that create value for both the customer and the bank. Appropriate partnering, planning and preparation occur to ensure conversations provide the relevant financial guidance needed to drive informed decisions.
Service Standards – Foster collaborative partnerships that deliver value for customers, prospects and colleagues. Initiate conversations to uncover sales or referral opportunities. Listen attentively, ask insightful questions to understand customer needs and preferences, and take prompt actions to address immediate needs. Proactively seek ways to optimize performance by pursuing coaching, supporting Bank initiatives and leveraging tools to enhance activities.
Operations and Administration – Comply with all regulations, bank policies, procedures and delegated authorities to manage risk related to credit, operational, reputational, regulatory and legal aspects of personal interactions, customer transactions and financial exposures. Complete required training by established deadlines. Perform general office management duties as assigned to ensure operational efficiency. Roles responsible for deposits are accountable for transaction accuracy and operational efficiency of that function. The results may include accountability for individual contribution as well as team performance.
This position may be filled as a Business Banker II or III based on the skills and experience of the selected candidate.

Qualifications

Bachelor's degree with a minimum of 4 years experience in business lending, credit or business development.
Or High school diploma or GED with a minimum of 8 years experience in business lending, credit or business development.

Additional Requirements

Business development experience

Preferred Qualifications

Established COI's and referral sources
Financial analysis and credit underwriting skills
Knowledge of business lending, deposit and cash management solutions
Ability to provide financial guidance and expertise
Sales planning and forecasting experience

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AVP/VP Underwriter IV-Healthcare Real Estate - (Hybrid) New York

First Citizens Bank New York, NY Hybrid

1mo ago

$130k - $185k/yr Full time AVP Banking Commercial Credit

AVP Banking Commercial Credit

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Job Description

Overview

This is a hybrid role with regular time spent both inside and outside a company office based in New York. First Citizens Healthcare Finance delivers comprehensive financing and banking solutions to middle market healthcare companies across the United States. With a client‑focused, industry‑centric approach, Healthcare Finance tailors its products and services to support clients seeking growth capital.

Responsibilities

Lead the process of assessing and approving Healthcare Real Estate and working capital credit facilities, typically including recapitalization and acquisition of skilled nursing and senior housing properties.
Apply strong credit and collateral analysis to manage multiple transactions and multi‑task effectively.
Prepare initial credit approval memoranda with thorough financial and business analysis, and lead due diligence focused on credit, collateral, and government reimbursement / regulatory considerations.
Take the lead on legal due diligence, loan documentation negotiations, and closing activities.
Engage proactively with Credit Management, Borrowers/Sponsors, Loan Operations, treasury, and Closing teams, and collaborate with peers including junior underwriting staff.

Qualifications

Assistant Vice President - Underwriter IV

Required: Bachelor’s Degree and 4 years of experience in Commercial Lending or Credit Analysis focused on evaluating historical financial statements and projections, with involvement in structuring credit facilities; OR a High School Diploma or GED and 10 years of relevant Commercial Lending or Credit Analysis experience with similar responsibilities.
Preferred Education: Bachelor’s in Business, Finance, Economics, or Accounting
Preferred Area of Experience: Finance, Banking
Minimum of 4+ years of relevant experience in accounting and/or banking; current role in healthcare underwriting or strongly preferred
Experience in assisting the underwriting and closing of Healthcare transactions; new construction financings are a plus but not required
Proficiency in financial, credit, and collateral analysis
Excellent writing and communication skills
Proficiency with Microsoft Excel, Word and PowerPoint

Minimum of 4+ years of relevant experience in accounting and/or banking; current role in healthcare underwriting or strongly preferred

Vice President – Sr Underwriter

Required: Bachelor’s Degree and 6 years of experience in Commercial Lending or Credit Analysis focused on the assessment of historical financial statements and projections, with involvement in structuring credit facilities; OR a High School Diploma or GED and 10 years of experience in Commercial Lending or Credit Analysis with similar responsibilities.
Preferred Education: Bachelor’s in Business, Finance, Economics, or Accounting
Preferred Area of Experience: Finance, Banking
Minimum of 6+ years of relevant experience in accounting and/or banking; current role in healthcare underwriting strongly preferred
Experience with underwriting and closing Healthcare transactions; new construction financings a plus but not required
Proficiency in financial, credit and collateral analysis
Excellent writing and communication skills
Formal bank credit training a plus
MBA or equivalent degree a plus
Proficiency with Microsoft Excel, Word and PowerPoint

Compensation

For the AVP, Underwriter IV - Healthcare, the base pay typically ranges from $130,000.00 to $140,000.00. For the VP, Sr Underwriter - Healthcare, the base pay typically ranges from $150,000.00 to $185,000.00. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

Benefits

Benefits are an integral part of total rewards, and First Citizens Bank is committed to providing a competitive, thoughtfully designed and high‑quality benefits program to meet the needs of our associates.

Location

Hybrid remote in New York, NY 10036

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Commercial Loan Credit Analyst

Austin Telco Federal Credit Union Austin, TX

1mo ago

$50k - $65k/yr Full time Analyst Commercial Commercial Credit

Analyst Commercial Commercial Credit

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Job Description

Position Details

Location: 11149 Research Blvd, Austin, TX 78759

Employment Type: Full-Time

Schedule: Monday to Friday, option a) 7:30 AM to 4:00 PM or option b) 8:00 AM to 4:30 PM

FLSA Status: Non-Exempt

About the Role

Austin Telco Federal Credit Union is seeking a detail-oriented Commercial Loan Credit Analyst I who thrives in an analytical, accuracy-focused environment. If you enjoy working with financial data, supporting commercial lending, and maintaining high-quality credit administration, this position provides a solid path to grow your career in business lending and financial analysis.

What You’ll Do

Financial Analysis & Credit Support: Analyze and spread financial statements, tax returns, and supporting documents for new and existing business loan relationships. Conduct annual reviews and ongoing financial analysis to assess borrower performance and credit risk. Identify and escalate credit concerns or material changes in borrower financial condition.
Loan Monitoring & Compliance: Monitor loan covenants, collateral, insurance, and reporting requirements. Follow up with members, lenders, and external partners to obtain required documentation. Maintain accurate and compliant commercial loan files.
Documentation & Reporting: Review commercial loan documents for accuracy and completeness. Prepare monitoring and management reports related to portfolio performance and compliance. Utilize loan and credit administration systems to support documentation, tracking, and reporting workflows.
Member & Internal Support: Communicate effectively with lenders, members, and internal teams to resolve documentation or reporting needs. Support cross-selling efforts by identifying appropriate credit union products and services. Perform other duties as assigned to support department objectives.

What You Bring

Bachelor’s degree in Accounting, Finance, or related field, or equivalent experience
1–2 years of experience in financial analysis, accounting, or loan support
Ability to analyze financial information and assess credit risk
Strong attention to detail, organization, and follow-through
Effective communication skills across teams and with members
Proficiency with Microsoft Excel and Office applications

Preferred Experience

Prior credit union or financial institution experience
Experience with Symitar/Episys, Sageworks, or similar credit administration systems

Why You’ll Love Working Here

We are more than a credit union we are a community. At Austin Telco, you will find a supportive culture, opportunities for growth, and a mission-driven team that puts people first.

Comprehensive Benefits: Medical, dental, vision, disability, and life insurance, plus optional coverage for critical illness, legal support, and more
Paid Time Off: Federal holidays, vacation, sick leave, and special paid days for birthdays, work anniversaries, and other milestones
Retirement Plans: 401(k) with company match and a pension plan
Community Engagement: Volunteer opportunities and credit union-sponsored events
A supportive, mission-driven culture that values respect, empathy, service, integrity, and cooperation

Additional Requirements

Good credit standing (verified prior to interview)
Successful background check and drug screening upon offer
Equal Opportunity Employer: We celebrate diversity and are committed to creating an inclusive environment for all employees

Compensation

Salary: $50,000 – $65,000 per year

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Sr. Leasing Transaction Mgmt. (Commercial Equipment Finance)

Bank of America New York, NY

1mo ago

$130k - $175k/yr Full time MBA Asset Valuation Bank of America

MBA Asset Valuation Bank of America

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Job Description

Interface with Commercial clients to structure, negotiate and close complex structured financing transactions that align with the client’s financing, accounting, and tax objectives while securing favorable terms for the firm. You will engage directly with clients, lawyers, accountants, appraisers, investors, credit underwriters, and other internal partners to develop financial solutions that satisfy the needs of all parties involved. You will coordinate activities among internal teams, clients, and investor syndicates to ensure efficient transaction execution.

Preferred Experience

Ten or more years in the financial services industry with direct responsibility for originating, structuring, negotiating and closing complex structured financing transactions, preferably in equipment finance and leasing.

Preferred Skills and Qualifications

In-depth knowledge of leasing and secured lending products and solutions
Solid knowledge in tax accounting, financial accounting, asset valuation and commercial, tax and bankruptcy law
Exceptional analytical skills
Experience in financial analysis
Proven negotiation skills
Strong communication skills
Effective presentation skills
Proficiency with MS Office software applications
Exhibit teamwork

Travel

Travel 20 percent.

Locations

Primary location: New York, NY
Preferred locations: New York, NY; Boston, MA; Chicago, IL; Charlotte, NC; San Francisco, CA

Education

Bachelor’s degree – accounting, finance, economics, or other business concentration; MBA or JD helpful.

Work Schedule

Shift: 1st shift (United States of America). Hours per week: 40.

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Portfolio Manager II, Business Banking

Wintrust Financial Arlington Heights, IL

1mo ago

$85k - $110k/yr Full time Manager Banking Business

Manager Banking Business

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Job Description

Overview

Wintrust delivers community and commercial banking, specialty finance, and wealth management through 16 bank charters and nine non-bank affiliates. We combine the capabilities of a large institution with the personal, relationship-driven service of community banking. Our client base spans all 50 states, supported by more than 200 branch locations across Illinois, southwest Florida, northwest Indiana, western Michigan, and southern Wisconsin, along with commercial banking offices in Chicago, Denver, Milwaukee, Grand Rapids, MI, and other key Illinois locations. Our people are the heart of the business, and we are consistently recognized as a top place to work. Wintrust is a $66 billion financial institution headquartered in Rosemont, Illinois, and listed on the NASDAQ Global Select Market under WTFC.

Responsibilities

Prepare and present Credit Approval Presentations (CAPs), summarizing trends and reporting findings.
Evaluate commercial credit requests of varying complexity by reviewing business and individual credit and financial information to assess credit risk.
Assess financial statements and tax returns to determine repayment ability; identify trends affecting repayment, collateral, or operational viability; propose risk rating adjustments supported by changes in financial condition or collateral.
Perform collateral analyses aligned with cash-flow and CRE lending principles.
Communicate directly with Relationship Managers and, when needed, clients to enable timely underwriting of credit requests.
Foster open dialogue and collaboration with the Real Estate Group, Credit Administration, Loan Operations, Managed Assets, and other support teams.
Monitor loans and test covenants; assist with loan closings and maintain credit files and compliance reviews.
Demonstrate urgency in addressing client requests while maintaining acceptable risk parameters to identify issues and implement timely loan modifications and risk-rating updates as appropriate.

Qualifications

Bachelor’s degree in accounting, finance, business, or equivalent.
3+ years of commercial and industrial underwriting and/or portfolio management experience, with working knowledge of the banking environment, products, supporting processes, and technology.
Formal bank credit training is preferred, with a solid understanding of general credit and risk principles, and banking policies/procedures.
Proficiency in MS Office (Excel, Word, PowerPoint) and financial forecast models; experience with the nCino loan origination platform is a plus.
Strong analytical and organizational skills with the ability to proactively manage and prioritize workflow.
Strong interpersonal skills with a proven ability to establish client relationships and work within a team environment.

Benefits

Medical Insurance
Dental
Vision
Life insurance
Accidental death and dismemberment
Short-term and long-term Disability Insurance
Parental Leave
Employee Assistance Program (EAP)
Traditional and Roth 401(k) with company match
Flexible Spending Account (FSA)
Employee Stock Purchase Plan at 5% discount
Critical Illness Insurance
Accident Insurance
Transportation and Commuting Benefits
Banking Benefits
Pet Insurance

Compensation

The estimated salary range for this role is $85,000 - $110,000 along with eligibility to earn an annual bonus. Actual salaries may vary based on several factors, such as a candidate’s qualifications, skills and experience.

About Wintrust

Wintrust provides community and commercial banking, specialty finance and wealth management services through its 16 bank charters and nine non-bank businesses. Wintrust delivers the sophisticated solutions of a large bank while staying true to the relationship-focused, personalized service of our community banking roots. We serve clients in all 50 states with more than 200 branch banking locations in Illinois, southwestern Florida, northwestern Indiana, west Michigan and southern Wisconsin and commercial banking offices in Chicago, Denver, Milwaukee, Grand Rapids, Mich., and in key branch banking locations throughout Illinois. Our people are the heart of our business and we are proud to rank consistently as a top place to work. Wintrust is a $66 billion financial institution based in Rosemont, Illinois, and listed on the NASDAQ Global Select Market under the symbol “WTFC.” From our first day in business, Wintrust has been proud to serve a variety of unique communities and people from all

Location

Arlington Heights, IL 60005

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VP, Portfolio Management - CIB

Bank OZK Houston, TX

1mo ago

Full time Banking CIB Commercial Lending

Banking CIB Commercial Lending

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Job Description

Overview

Bank OZK possesses a banking legacy spanning over 120 years and stands as a nationwide leader in financial services. The firm combines exceptional client service with innovative technology to deliver smart financial solutions across the country. In support of local economies and small businesses, the organization contributes to community growth and urban development in major cities. This role is part of a culture that values career growth and a strong team environment. The benefits package is comprehensive, designed to support physical, mental, and financial wellbeing, and includes generous paid time off, 401(k) matching, health, dental, and vision insurance (pet coverage available), along with exclusive perks and discounts.

Location

Houston, TX 77092

Job Purpose & Scope

This position supports lending efforts by conducting analysis, underwriting, origination, monitoring, and servicing of loans across the Corporate & Institutional Banking (CIB) division, handling varying degrees of complexity with meticulous attention to detail. You will underwrite and review credit memorandums, ensure due diligence is complete and aligned with CIB policies and procedures in portfolio management, underwriting, and operations, and oversee the management of credit relationships within the CIB portfolio.

Essential Job Functions

Provide thorough, accurate, and timely loan servicing in accordance with the Bank’s Loan Policy.
Monitor portfolio risk to identify potential issues early and communicate findings to borrowers and senior leadership to facilitate prompt risk mitigation.
Ensure underwriting is comprehensive, precise, and incorporates detailed risk analyses that reflect the Bank’s standards, policies, and credit risk appetite.
Deliver financial analysis, analytics, and underwriting support to business lines within the CIB.
Collaborate on underwriting guidelines, create required loan presentation content, and establish standardized approaches while recommending updates as appropriate.
Manage assigned credit transactions, ensuring efficient handling of loan requests in a timely manner, consistent with Bank standards and service level agreements.
Maintain communication with lenders, credit officers, and management at all levels regarding approved and declined loans.
Track, monitor, and report activity on loan applications and decisions, maintaining records of applications received and booked.
Maintain the independence of the underwriting function and the initial credit risk rating recommendations.
Regularly exercise discretion and judgment in performing essential duties.
Review and propose updates to relevant sections of the Loan Policy for senior management consideration.
Maintain punctuality and dependable attendance in the workplace.
Adhere to Bank policies, procedures, and guidelines.

Knowledge, Skills & Abilities

Solid foundation in finance and credit analysis, with a strong grasp of lending activities and terminology.
Working knowledge of federal and state lending and compliance regulations.
Effective interpersonal and communication skills.
Strong business acumen and capability in business development.
Outstanding critical thinking, analytical, and problem-solving abilities.
Ability to collaborate across functional and organizational lines to achieve the Bank’s objectives and build relationships.
Capacity to multitask, prioritize, and meet demanding deadlines.
Commitment to accuracy and thoroughness in all work.
Maintain confidentiality at all times.
Ability to work without dir

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Commercial Portfolio Manager III

South State Bank Marietta, GA

1mo ago

Full time Manager Banking Commercial

Manager Banking Commercial

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Job Description

Location: Marietta, GA 30060

The SouthState Bank story centers on steady growth, deep community roots, and an unwavering commitment to helping clients move forward. From our beginnings in the 1930s to a trusted financial partner across the region, we blend personalized relationships with forward-thinking solutions. We are dedicated to helping our teammates achieve success while upholding our core values of trust, enduring relationships, and excellence. At SouthState, individual contributions are recognized, potential is nurtured, and team members are inspired to fulfill their broader purpose. Your future begins here.

Summary/Objectives

The Commercial Portfolio Manager III supports the commercial loan and deposit portfolios for one or more Relationship Managers (Commercial and CRE), delivering quality underwriting, solid portfolio oversight, and exceptional client service.

Essential Functions

Reasonable accommodations may be provided to enable individuals with disabilities to perform the essential duties.
Evaluates creditworthiness by analyzing financial data for new loan requests, renewal requests, and ongoing portfolio management, in line with the bank’s policies and procedures.
Performs industry research as needed to support current and prospective customers.
Assembles commercial loan packages (non-BL and BLE) ensuring thorough and accurate information. Each package includes a written credit memo with customer background, borrower and guarantor financial analysis, details of the proposed transaction, a critical risk assessment, proper risk grading, and a thoughtful recommendation.
When required, conducts additional credit analysis using more advanced tools beyond traditional spreads and global cash flow (for example CRE analysis tools).
Leads the loan request through the Credit Approval Process, ensuring the structure satisfies client needs while aligning with the bank’s operating objectives.
Ensures large commercial loan relationships comply with applicable State and Federal regulations as well as bank policies and procedures.
Monitors and services large commercial loan portfolios for the supported Commercial Bankers through quality portfolio management tasks, including centralized covenant testing and tracking, annual servicing reviews, and exception clearance.
Assigns risk ratings to each loan in the assigned portfolio per policy and recommends adjustments as circumstances evolve or new information emerges.
Assists the Relationship Manager in presenting credit proposals to Credit Administration or other leadership and Committees within the Bank.
Ensures all required documentation is on file for loans and treasury management approvals. Works with the Relationship Manager and LOA to address any documentation or compliance deficiencies identified by Loan Operations or other reviews.
Periodically accompanies the Relationship Manager on calls with existing and/or prospective customers as requested.
Fosters and maintains positive working relationships with internal partners (Loan Operations, Credit Administrators, Credit Leadership, Local Line Leadership, Branch Personnel, etc.).
Undertakes special projects relevant to the role as directed by Credit Administration Leadership.
Continuously updates skills through professional training and seeks cross-training opportunities offered by the Bank.
Collaborates with the Relationship Manager, Credit Administrators, and Loan Assistant to minimize past-due loans.
As a teammate to the Relationship Manager and Credit Administration, serves as a trusted advisor to clients and prospects within the framework of risk management.
Demonstrates a commitment to fair lending practices.

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Sr. Commercial Underwriter

b1BANK Dallas, TX

1mo ago

Full time Banking Commercial Commercial Credit

Banking Commercial Commercial Credit

Ag/Business Banker - Peoples Bank

Peoples Bank Rock Valley, IA

1mo ago

Full time 401k Ag Lending Agribusiness

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