Practice Lending Loan Officer (Healthcare Lending)

Accordia Bank; Pleasant Grove (UT); On-site; USD 110,000 - 170,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Health Savings Account (HSA)

Flexible Spending Accounts (FSA)

Paid Time Off and holidays

401(k) with Company Match

Tuition Reimbursement

Job summary

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. You will develop new business opportunities, structure and close commercial loans, and build full banking relationships including lending, deposits, and treasury management.

Minimum 5 years of commercial lending experience in banking is required, with strong credit underwriting and financial analysis skills.

Qualifications

• Minimum 5 years of commercial lending experience in a banking environment.
• Strong expertise in financial statement analysis, cash flow analysis, credit underwriting, and commercial loan structuring.

Responsibilities

• Grow Accordia Bank's healthcare lending portfolio and market share in assigned markets.
• 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.
• Identify and structure financing solutions for practice acquisitions, startup financing, partner buy-ins and buy-outs, expansions, equipment purchases, and working capital needs.
• Educate borrowers throughout the lending process and serve as a trusted advisor for healthcare practice financing decisions.
• 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.

Skills

Commercial lending

Credit underwriting

Financial statement analysis

Relationship management

Communication skills

Tools

Moody's

Sageworks

nCino

Job description

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.ResponsibilitiesGrow 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.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 QualificationsDirect 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.BenefitsMedical, Dental, and Vision InsuranceLife and Disability InsuranceHealth Savings Account (HSA) and Flexible Spending Accounts (FSA)Paid Time Off (PTO) and 11 Paid Federal Holidays401(k) with Company MatchTuition Reimbursement for Eligible EmployeesCompetitive Compensation and Performance-Based Incentives