Commercial Lending & Portfolio Growth Manager

Rhode Island Commerce; Covington (KY); On-site; USD 65,000 - 95,000; Full time

Benefits offered by this job

401(k) Retirement Plan

Company paid Life Insurance

Paid Bank Holidays

Sick & Personal Time

Accrued Vacation from day one

Job summary

Rhode Island Commerce is seeking an experienced commercial lender in Covington, KY to develop and manage a portfolio of high-quality business loans. You will analyze borrower's financials and structure loan proposals aligned with risk standards.

The role requires 3–5+ years in commercial lending, strong analytical and negotiation skills, and proficiency in MS Office and loan origination tools. Collaborative cross-functional work and community engagement are expected.

Qualifications

• Bachelor’s degree in Finance, Business Administration, Accounting required.
• 3–5+ years of experience in commercial lending or business banking.
• Strong understanding of credit structuring and lending regulations.
• Ability to build relationships and grow the loan portfolio.
• Excellent communication and analytical skills.
• Proficient in Microsoft Office and loan origination software.

Responsibilities

• Develop and maintain a portfolio of high-quality commercial loans through prospecting, networking and relationship management.
• Analyze creditworthiness of borrowers using financial statements, tax returns and other documents.
• Structure, underwrite, and present commercial loan proposals meeting client needs and risk standards.
• Conduct site visits, client interviews and financial reviews as part of due diligence.
• Monitor existing loan portfolios for credit risk, covenant compliance and performance issues.

Skills

Credit analysis

Relationship management

Financial statement analysis

Risk assessment

Negotiation

Communication

Education

Bachelor’s degree in Finance, Business Administration, Accounting

Tools

MS Office

Loan origination software

Credit analysis software

Job description

Rhode Island Commerce is seeking an experienced commercial lender in Covington, KY to develop and manage a portfolio of high-quality business loans. You will analyze borrower's financials and structure loan proposals aligned with risk standards.

The role requires 3–5+ years in commercial lending, strong analytical and negotiation skills, and proficiency in MS Office and loan origination tools. Collaborative cross-functional work and community engagement are expected.