Credit Manager/ Commercial Loan Manager

AppleOne Employment Services; Los Angeles (CA); On-site; USD 180,000 - 240,000; Full time

Job summary

AppleOne Employment Services in Los Angeles seeks an experienced Credit Manager / Commercial Loan Manager to lead our commercial lending portfolio, develop new business, and manage client accounts with a focus on risk-adjusted growth.

The role requires strong CRE and C&I underwriting, leadership of a lending team, and collaboration across departments to deliver timely, compliant loan processing and servicing. You will mentor staff, monitor KPIs, and present proposals to senior leadership.

Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or related field.
• 5+ years of commercial lending, credit management, or relationship management experience.
• Experience underwriting CRE and C&I loans.
• Proven success managing loans in the $5M to $10M+ range.
• Strong financial analysis, underwriting, and portfolio management skills.
• Demonstrated leadership and team management experience.
• Excellent communication, presentation, and negotiation skills.

Responsibilities

• Proactively source new commercial lending and deposit relationships.
• Develop and execute growth strategies to achieve portfolio targets.
• Manage and deepen relationships with existing clients.
• Serve as trusted advisor to clients by understanding business objectives.
• Structure, analyze, and underwrite CRE and C&I loan opportunities.
• Evaluate financial statements, cash flow, collateral, and credit risk.
• Prepare and present loan proposals to senior leadership.
• Monitor portfolio performance and identify risks and opportunities.
• Lead and mentor lending team members.
• Manage portfolio profitability and risk exposure.
• Collaborate with internal departments to ensure efficient loan processing, closing, servicing.
• Establish and monitor KPIs aligned with growth targets.

Skills

Business development

Relationship management

Credit underwriting

Financial analysis

Leadership

Communication

Education

Bachelor''s degree in Finance, Business Administration, Economics

Job description

We are seeking an experienced Credit Manager / Commercial Loan Manager to lead the growth and management of our commercial lending portfolio. This role is responsible for developing new business relationships, managing existing client accounts, evaluating credit opportunities, and driving portfolio growth while maintaining strong risk management practices.

The ideal candidate will have a proven background in Corporate Lending, specifically handling commercial loans ranging from $5M to $10M+ per transaction, along with demonstrated leadership experience and a strong business development mindset.

Key Responsibilities:

Business Development & Relationship Management

• Proactively source new commercial lending and deposit relationships through networking, referrals, centers of influence, and community engagement.
• Develop and execute business development strategies to achieve growth goals and portfolio targets.
• Manage and deepen relationships with existing clients, identifying opportunities for additional lending and treasury management services.
• Serve as a trusted advisor to clients by understanding their business objectives and financial needs.

Commercial Lending & Credit Analysis

• Structure, analyze, and underwrite Commercial Real Estate (CRE) and Commercial & Industrial (C&I) loan opportunities.
• Evaluate financial statements, cash flow, collateral, industry trends, and credit risk.
• Prepare and present loan proposals and credit recommendations to senior leadership and credit committees.
• Monitor portfolio performance and proactively identify potential risks and opportunities.
• Lead and mentor lending team members while promoting a culture of accountability, growth, and client service.
• Manage portfolio profitability, credit quality, and overall risk exposure.
• Collaborate with internal departments to ensure efficient loan processing, closing, and servicing.
• Establish and monitor KPIs aligned with growth targets, portfolio quality, profitability, and client retention.

Compliance & Reporting

• Ensure compliance with all banking regulations, lending policies, and risk management standards.
• Maintain adherence to BSA/AML requirements and internal controls.
• Prepare regular pipeline, production, and portfolio reports for executive leadership.

Required

• Bachelor's degree in Finance, Business Administration, Economics, or related field.
• 5+ years of commercial lending, credit management, or relationship management experience.
• Experience underwriting and managing Commercial Real Estate (CRE) and Commercial & Industrial (C&I) loans.
• Proven success managing commercial lending transactions in the $5M to $10M+ range.
• Strong financial analysis, credit underwriting, and portfolio management skills.
• Demonstrated leadership and team management experience.
• Excellent communication, presentation, and negotiation skills.

Preferred

• Experience working with middle-market or corporate banking clients.
• Strong network within the business and commercial banking community.
• Knowledge of treasury management and deposit products.
• Formal credit training and lending certifications are a plus.