Commercial Lender

The Agency; Temple (TX); On-site; USD 120,000 - 180,000; Full time

Job summary

The Agency, a well-established community-focused bank, is seeking an experienced Commercial Lender to drive growth in its commercial banking division in Temple, Texas. You will develop new relationships, underwrite tailored credit solutions, and manage a growing loan portfolio.

Qualifications include a minimum of 3 years in commercial banking, proven ability to close $15M+ annually, and strong financial analysis and credit skills.

Qualifications

• 3+ years in commercial banking or lending.
• Proven ability to generate and close $15M+ in annual loan volume.
• Experience originating and structuring C&I and CRE loans.
• Established local business network.
• Strong financial analysis and credit underwriting skills.

Responsibilities

• Develop and expand commercial banking relationships.
• Generate and close $15M+ annual loan volume.
• Underwrite and structure commercial credit facilities.
• Review credit history and repayment capacity.
• Monitor portfolio quality and cross-sell banking services.
• Stay compliant with lending regulations.

Skills

Commercial lending

Business development

Credit underwriting

Financial analysis

Relationship management

Negotiation

Communication

Education

Bachelor’s degree in business/finance

Job description

A well-established community-focused bank with a strong commitment to relationship banking is seeking an experienced Commercial Lender to support continued growth within its commercial banking division. This individual will be responsible for generating and closing $15M+ in commercial loan volume annually, with a focus on both commercial and industrial (C&I) and commercial real estate (CRE) lending.

The Commercial Lender will focus on developing new business relationships, underwriting and structuring customized credit solutions, and managing and servicing an existing commercial loan portfolio. The ideal candidate will have an established local business network, strong credit expertise, and a demonstrated ability to generate and close commercial lending opportunities.

Key Responsibilities:

• Develop, acquire, expand, and retain commercial banking relationships through a proactive calling and business development strategy
• Generate and close $15M+ in annual commercial loan volume
• Originate and manage both commercial and industrial (C&I) and commercial real estate (CRE) loan opportunities
• Underwrite, structure, negotiate, and close commercial credit facilities based on customer needs and established lending policies
• Analyze credit history, financial information, and repayment capacity to assess commercial loan opportunities
• Negotiate credit terms including pricing, repayment methods, collateral requirements, and other loan conditions
• Evaluate prospective customer loan requests and make credit recommendations to management
• Maintain appropriate interest rate structures consistent with bank policies and competitive market conditions
• Manage and service an existing commercial loan portfolio while maintaining strong asset quality
• Cross-sell deposit, treasury management, and other ancillary banking products and services
• Review, approve, and disposition commercial overdrafts in accordance with established authority and procedures
• Monitor changes in laws and regulations affecting commercial lending and communicate relevant developments to management
• Assist with the training and development of new commercial loan officers as needed
• Develop new customer prospects and business opportunities within the bank's market
• Represent the bank through active participation in local business and community affairs
• Maintain consistent communication with clients regarding financing needs and opportunities
• Address customer concerns and elevate issues as appropriate
• Recommend opportunities to improve departmental processes and overall customer service
• Complete all required compliance training and examinations and adhere to established bank policies and procedures

This is a strong opportunity for an experienced, commercially driven banking professional seeking a role with significant responsibility for business development, commercial loan production, and relationship management. The ideal candidate will bring an established network, a proven track record of commercial lending success, and the ability to produce and close both C&I and CRE opportunities while maintaining strong client relationships and asset quality.

Required Qualifications:

• Minimum of 3 years of commercial banking experience
• Demonstrated success in commercial lending and business development
• Proven ability to generate and close $15M+ in annual commercial loan volume
• Experience originating and structuring both C&I and CRE loans
• Established local business network and demonstrated ability to develop new commercial relationships
• Extensive knowledge of commercial lending policies, procedures, and products
• Strong financial analysis, credit underwriting, structuring, and negotiation skills
• Solid understanding of commercial lending regulations and compliance requirements
• Exceptional customer service and relationship-building skills
• Strong communication, interpersonal, problem-solving, and decision-making abilities
• Demonstrated sound judgment and ability to work effectively with customers, colleagues, and management
• Self-motivated, dependable, and proactive approach to business development
• Bachelor’s degree in business, finance, accounting, or a related field preferred

Equal Employment Opportunity Statement

The Agency Recruiting follows Equal Employment Opportunity (EEO) guidelines and considers all qualified applicants without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other protected characteristic under applicable law.