Practice Lending Loan Officer (Healthcare Lending)

CAPITAL COMMUNITY BANK; Pleasant Grove (UT); On-site; USD 70,000 - 110,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

HSA & FSA

Paid Time Off

Job summary

Accordia Bank in Pleasant Grove, UT seeks an experienced Practice Lending Loan Officer to grow the healthcare lending portfolio and expand relationships with medical, dental, and veterinary practice owners. You will develop new business opportunities, structure and close commercial loans, and build full banking relationships including deposits and treasury management.

The role requires 5+ years of commercial lending experience, expertise in financial statements and underwriting, and the ability

Qualifications

• Minimum 5 years of commercial lending experience in a banking environment.
• Strong expertise in financial statement analysis, cash flow analysis, credit underwriting, and loan structuring.
• Experience with lending products including lines of credit, equipment financing, owner-occupied CRE, term loans, and construction financing.
• Familiarity with SBA 7(a) and SBA 504 lending programs.
• Proven ability to develop referral-based business through professional networks.
• Experience using financial spreading and loan underwriting platforms (Moody's, Sageworks, nCino, or similar).
• Strong communication, consultative sales, and relationship management skills.
• Proven ability to independently manage a lending pipeline and meet production goals.

Responsibilities

• Grow healthcare lending portfolio and market share in assigned territories.
• Develop and maintain relationships with physicians, dentists, veterinarians, and other healthcare practice owners.
• Build referral networks with healthcare CPAs, attorneys, consultants, brokers, and vendors.
• Structure financing solutions for practice acquisitions, startups, buy-ins, expansions, equipment, CRE, and working capital.
• Educate borrowers and serve as a trusted advisor throughout the lending process.
• Gather and analyze financial documents, tax returns, and valuations.
• Coordinate closing activities with attorneys, appraisers, brokers, and stakeholders.
• Partner with retail banking and treasury teams to deepen client relationships.

Skills

Credit underwriting

Financial statement analysis

Cash flow analysis

Relationship management

Communication skills

Lending pipeline management

Tools

Moody's

Sageworks

nCino

Job description

Job Details

Job Location: Pleasant Grove - PLEASANT GROVE, UT 84062, Position Type: Full Time, Accordia Bank is seeking a Practice Lending Loan Officer to grow the Bank's healthcare lending portfolio and expand relationships with medical, dental, and veterinary practice owners. This role is responsible for developing new business opportunities, structuring and closing commercial loans, and building full banking relationships that include lending, deposits, treasury management, and personal banking services.

Responsibilities

• Grow Accordia Bank's market share and healthcare lending portfolio within assigned markets and territories.
• Develop and maintain relationships with physicians, dentists, veterinarians, and other healthcare practice owners.
• Build referral networks with healthcare-focused CPAs, attorneys, practice consultants, equipment vendors, and practice brokers to generate new lending opportunities.
• Identify and structure financing solutions for practice acquisitions, startup financing, partner buy-ins and buy-outs, expansions, equipment purchases, commercial real estate, and working capital needs.
• Educate borrowers throughout the lending process and serve as a trusted advisor for healthcare practice financing decisions.
• Gather, review, and analyze financial documentation, including practice financial statements, tax returns, collections data, payer mix information, and practice valuations.
• Evaluate creditworthiness and prepare loan requests for approval in partnership with the credit team.
• Package and pre-screen loan opportunities to improve underwriting efficiency and credit quality.
• Coordinate closing activities with attorneys, appraisers, practice brokers, and internal stakeholders to ensure timely funding.
• Partner with retail banking and treasury management teams to deepen client relationships and increase deposit growth.
• Monitor existing client portfolios and identify opportunities for refinancing, expansion financing, or additional practice acquisitions.
• Stay informed on healthcare industry trends, practice consolidation activity, and competitive lending developments.
• Maintain compliance with lending regulations, SBA guidelines, fair lending standards, and BSA/KYC requirements.

Qualifications

• Minimum 5 years of commercial lending experience in a banking environment. Healthcare, medical, dental, or veterinary practice lending experience strongly preferred.
• Strong expertise in financial statement analysis, cash flow analysis, credit underwriting, and commercial loan structuring.
• Experience with commercial lending products including lines of credit, equipment financing, owner-occupied commercial real estate, term loans, and construction financing.
• Familiarity with SBA 7(a) and SBA 504 lending programs.
• Demonstrated success developing referral-based business through professional networks and centers of influence.
• Experience using financial spreading and loan underwriting platforms such as Moody's, Sageworks, nCino, or similar systems.
• Strong communication, consultative sales, and relationship management skills.
• Proven ability to independently manage a lending pipeline and meet production goals.

Preferred Qualifications

• Direct healthcare lending experience serving physicians, dentists, veterinarians, and specialty medical providers.
• Experience analyzing healthcare practice metrics such as collections trends, overhead ratios, payer mix, and practice valuations.
• Existing network of healthcare-focused advisors, including CPAs, attorneys, consultants, brokers, and vendors.
• Experience financing practice acquisitions, startups, partner buy-ins, and healthcare real estate projects.

Benefits

• Medical, Dental, and Vision Insurance
• Life and Disability Insurance
• Health Savings Account (HSA) and Flexible Spending Accounts (FSA)
• Paid Time Off (PTO) and 11 Paid Federal Holidays
• 401(k) with Company Match
• Tuition Reimbursement for Eligible Employees
• Competitive Compensation and Performance-Based Incentives