Commercial Loan Officer - CRE Lending

Connectone-Bank; Orlando (FL); Hybrid; USD 65,000 - 105,000; Full time

Benefits offered by this job

Health benefits from day one

401k with employer match

Hybrid work from home

Job summary

ConnectOne Bank is seeking a Commercial Loan Officer to develop new business, underwrite, structure, and close commercial loans while managing an existing portfolio. You will participate in community engagement and market the bank’s products and services to clients.

Responsibilities include underwriting, pricing loans to maximize profitability, negotiating terms, and ensuring compliance with bank policies and regulations, while maintaining exceptional client service.

Qualifications

• Strong People First orientation and ability.
• Knowledge of relevant Federal and State banking regulations.
• Credit training and underwriting capability.
• Thorough understanding of commercial and/or real estate lending processes.
• Familiarity with loan documentation and bank security practices.
• Bachelor’s degree preferred, on-the-job experience acceptable.

Responsibilities

• Source, develop and underwrite new loans for new and existing clients.
• Underwrite, structure, and close commercial loans and lines of credit.
• Review loan terms and pricing to optimize bank profitability.
• Present credits for approval to appropriate authority levels.
• Ensure transactions comply with bank policies and regulatory requirements.
• Manage and service the loan portfolio from cradle to grave.

Skills

People First

Regulatory knowledge

Credit training

Commercial lending

Real estate lending

Education

Bachelor’s degree preferred

Job description

About this position

Description:

About us:

ConnectOne Bank proves that putting people first is a better way to do business. At ConnectOne, we’re builders — of businesses, communities, and equity. Most importantly, we’re building opportunities. Our mission is to ensure our employees feel empowered to make important decisions, reach their potential and truly make an impact.

ConnectOne is a growth organization by design; it is part of our DNA and we take pride in seeing our employees grow with us. Founded in 2005 by an entrepreneur, we have grown into a high-performing commercial bank, inspiring a new model for our industry’s future. By embracing technology and all the ways it can help us become a world-class service organization, we support small business owners by fueling their mission.

People First is the blueprint for our culture. It is at the foundation of everything we do and the decisions we make. At ConnectOne, you have the opportunity to be a part of a dynamic culture and team. Develop your forward-thinking skills, thrive in an entrepreneurial setting, and succeed at “a better place to be”.

ConnectOne Bank is an Equal Housing and Equal Opportunity Lender, and a member of the Federal Deposit Insurance Corporation.

About this role:

• The Commercial Loan Officer (CLO) is responsible for developing new business, broadening existing relationships, underwriting, structuring, closing of commercial loans, as well as maintaining and managing an existing portfolio.
• The Commercial Loan Officer represents the bank in the local community through active participation in community affairs and participates in marketing all of the Bank’s products and services.
• The CLO is responsible for their portfolio from “Cradle to Grave”

In this role you will:

• Support the Bank’s “People First” focus and rules of engagement—maintaining a professional demeanor, working as an active member of the CNOB team, providing all clients excellent service, always striving to make CNOB “A Better Place to Be”.
• Source, develop and underwrite new loans, interim and permanent mortgages and lines of credit for new and existing clients, including collecting and analyzing information regarding the client’s income, assets, investments and/or debts.
• Maximize bank profitability through appropriate pricing of new loan originations, fee income and selling of all bank products and services; advising clients regarding the advantages and disadvantages of different financial products.
• Negotiate terms, structure loan financing based on risk analysis and present credits for approval to appropriate levels of authority with the bank as required.
• Ensure all activities, transactions and records are in compliance with operational, security and control procedures of the Bank, preventing fraud and protecting customer assets.
• Handle client service issues by conducting research, taking ownership, and daily follow up (as necessary) until conclusion.
• Review and negotiate all loan documentation for any given transaction.

Must haves:

• Strong “People First” interest and ability.
• Knowledge of relevant Federal and State banking regulations.
• Credit training.
• Thorough knowledge of procedures and policies with respect to loan transactions.
• Familiarity with Bank security and safety practices.
• Strong understanding of commercial loan documentation.
• Minimum three years of commercial and/or real estate lending experience.
• Thorough understanding of federal banking compliance and requirements.

Bonus Points For:

• Working knowledge of Google apps and products.
• Working knowledge of the nCino loan processing platform.
• Bachelor’s degree preferred, commensurate on-the-job experience is acceptable.

Additional information

Benefits:

• World class health, vision, and dental benefits on day one
• 401k with employer match
• Hybrid work from home (depending on role)
• Employee appreciation events (team building, softball games, food truck days, etc..)
• Employee assistance programs (EAP)
• Wellness programs (flu shot, preventive care, health programs and services discounts, etc..)
• Tuition reimbursement
• Employee Discount perks
• CNOB Community Service Events

….and much, much more!

Studies have shown that individuals from underrepresented groups, may only apply to roles if they meet 100% of the qualifications. Roles evolve over time, especially with innovation, and you may be just the person we need. We hope you're open to learning new skills and growing with us. We encourage you to apply to continue making us “a better place to be!”

ConnectOne Bank is an equal opportunity employer and does not discriminate with respect to any term, condition or privilege of employment based on race, color, religion, sex, sexual orientation, gender identity or expression, age, disability, military or veteran status, marital status, or status of an individual in any group or class protected by applicable federal, state, or local law.

ConnectOne Bank also provides reasonable accommodations for qualified individuals with disabilities in accordance with the Americans with Disabilities Act and applicable state and local laws. If an accommodation is needed to participate in the job application or interview process, please contact Talent Acquisition.