Commercial Lender

gpac; Chattanooga (TN); On-site; USD 90,000 - 130,000; Full time

Job summary

gpac is seeking a Commercial Lender in the Chattanooga area to drive growth of commercial loans and deposits. You will manage relationships with middle-market clients, structure complex credit facilities, and present recommendations to loan committees.

The role requires strong credit acumen, strategic planning, and leadership in a community-focused bank environment. Responsibilities include sourcing new business, managing risk, and collaborating with credit analysts and leadership to deliver

Qualifications

• Advanced credit underwriting and risk assessment.
• Executive-level relationship management and business development.
• Strong ability to source, structure, and close complex commercial loans.
• Proven leadership and mentorship capabilities.

Responsibilities

• Develop and execute a plan to grow a profitable commercial loan and deposit portfolio.
• Originate, structure, and close complex commercial credit facilities across industries.
• Serve as primary relationship manager for middle-market and commercial clients.
• Proactively source new business through networking, referrals, and community involvement.
• Lead client conversations as trusted financial advisor, offering tailored banking solutions.
• Present and defend credit recommendations to loan committees.

Skills

Advanced credit underwriting

Executive-level relationship mgmt

Loan structuring

Negotiation

Strategic thinking

Leadership

Communication & presentation

Education

Bachelor's degree in Finance/Accounting/Business

Job description

Commercial Lender Position SummaryCommercial Lender is responsible for driving commercial loan and deposit growth through strategic business development, relationship management, and sound credit leadership. This role serves as a senior producer and trusted advisor to business clients while maintaining a high-quality loan portfolio aligned with the bank's risk appetite and growth objectives.

Key Responsibilities

• Develop and execute a strategic plan to grow a profitable commercial loan and deposit portfolio
• Originate, structure, and close complex commercial credit facilities across diverse industries
• Serve as the primary relationship manager for middle-market and commercial clients
• Proactively source new business through networking, referrals, and community involvement
• Lead client conversations as a trusted financial advisor, offering tailored banking solutions
• Analyze and interpret financial statements, cash flow, and industry trends to guide lending decisions
• Present and defend credit recommendations to senior credit officers and/or loan committees
• Maintain ongoing portfolio management, including risk rating accuracy, covenant compliance, and early identification of credit issues
• Partner with credit analysts, portfolio managers, treasury management, and executive leadership to deliver comprehensive client solutions
• Mentor junior lenders and support team development as needed

Qualifications

• Bachelor's degree in Finance, Accounting, Business, or related field (required)
• Minimum 5 years of commercial lending experience with demonstrated production success
• Proven ability to source, structure, and close commercial loans
• Strong credit acumen and experience with complex credit structures
• Established network and strong presence in the local market
• Experience presenting to loan committees and senior leadership

Key Skills & Competencies

• Advanced credit underwriting and risk assessment
• Business development and revenue generation
• Executive-level relationship management
• Loan structuring and negotiation
• Strategic thinking and market insight
• Leadership and mentorship
• Strong communication and presentation skills

Performance Expectations

• Consistently meet or exceed annual loan and deposit production goals
• Maintain strong asset quality and acceptable risk ratings across the portfolio
• Expand market share through new client acquisition and portfolio growth
• Demonstrate leadership within the bank and the community
• Contribute to overall bank profitability and strategic initiatives

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.