Commercial Lender: Owner-Occupied CRE & SME Lending

Talent Staffing and Recruiting; Hazel Green (AL); On-site; USD 80,000 - 150,000; Full time

Job summary

Talent Staffing and Recruiting seeks an experienced Commercial Lender for the Hazel Green, AL area to develop and manage a portfolio of commercial loan and deposit relationships in a community bank setting. The role focuses on owner-occupied C&I and small-business lending, with a strong emphasis on relationship-building within the Huntsville/Madison County corridor.

You will analyze financial statements, prepare credit memos, monitor loan performance, and collaborate with credit administration

Qualifications

• Bachelor's degree in Finance, Accounting, Business or related field preferred.
• 3+ years of commercial lending or related banking experience preferred.
• Strong commercial credit analysis and underwriting skills; conservative, risk-aware credit judgment.
• Owner-occupied C&I / small-business origination experience preferred over investor CRE.
• SBA 7(a) or USDA B&I experience is a strong plus.
• Working knowledge of state and federal banking regulations.
• Established relationships in the Huntsville / Madison County market.

Responsibilities

• Proactively generate new business through referrals, prospecting, and community involvement.
• Analyze financial statements, tax returns, cash flow, collateral, and credit risk to structure loans.
• Prepare credit memos and loan presentations in accordance with loan policy.
• Monitor loan performance, covenant compliance, and credit quality.
• Conduct annual reviews and renewals, addressing credit concerns proactively.
• Cross-sell treasury and deposit services.
• Collaborate with credit administration to ensure regulatory compliance.
• Represent the bank within local chamber, civic, and community organizations.

Skills

Commercial credit analysis

Relationship management

Lending knowledge

Regulatory knowledge

Education

Bachelor's degree in Finance/Accounting/Business

Job description

About the job Commercial Lender — Hazel Green, AL

Overview

We are seeking an experienced Commercial Lender for a community bank's Hazel Green, Alabama office, serving the Huntsville / Madison County market and the surrounding north-Alabama and southern-middle-Tennessee corridor. This role focuses on developing, managing, and growing a portfolio of commercial loan and deposit relationships, with an emphasis on owner-occupied commercial real estate, C&I, and small-business lending in a relationship-based, community-focused bank.

Key Responsibilities

• Proactively generate new business through referrals, prospecting, and community involvement
• Analyze financial statements, tax returns, cash flow, collateral, and credit risk to structure loans
• Prepare credit memos and loan presentations in accordance with loan policy
• Monitor loan performance, covenant compliance, and credit quality
• Conduct annual reviews and renewals, addressing credit concerns proactively
• Cross-sell treasury and deposit services
• Collaborate with credit administration to ensure regulatory compliance
• Represent the bank within local chamber, civic, and community organizations

Qualifications

• Bachelor's degree in Finance, Accounting, Business, or a related field preferred
• 3+ years of commercial lending or related banking experience preferred
• Strong commercial credit analysis and underwriting skills; conservative, risk-aware credit judgment
• Owner-occupied C&I / small-business origination experience preferred over investor CRE
• SBA 7(a) or USDA B&I experience is a strong plus
• Working knowledge of state and federal banking regulations
• Established relationships in the Huntsville / Madison County market

Compensation

Base salary of approximately $80,000 at the entry level, with bonus potential of up to 20%. Experienced producers with an established client portfolio may earn total compensation of up to $150,000.