Senior Commercial Lender

Ultimate Staffing; Baltimore (MD); Hybrid; USD 90,000 - 130,000; Full time

Benefits offered by this job

Medical, Dental, and Vision Coverage

401(k) Plan with Employer Match

Job summary

Ultimate Staffing Services in Maryland is seeking a seasoned Senior Commercial Lender to join their team. You will originate, manage, and service a diverse commercial loan portfolio and develop business strategies.

The role requires analyzing financial data, ensuring compliance with lending policies and regulations, and building relationships with clients and referral partners. The position offers a hybrid schedule after 90 days and a competitive pay range.

Qualifications

• Five or more years of commercial lending and/or credit analysis experience.
• Five to eight years of business banking, commercial banking, or related financial services experience.
• Proven track record of commercial loan origination, underwriting, and relationship management.

Responsibilities

• Originate, manage, and service a diverse commercial loan portfolio.
• Analyze financial statements, tax returns, cash flow, collateral, and other credit information.
• Prepare financial spreads and complete comprehensive loan underwriting.
• Present credit recommendations to lending and credit approval committees.
• Develop and maintain referral networks with accountants, attorneys, CRE professionals, and other advisors.
• Cross-sell treasury management, deposit products, and other business financial services.
• Participate in collection and workout activities when delinquency issues arise.
• Represent the organization at business events and industry conferences.

Skills

Commercial lending

Credit analysis

Relationship management

Business development

Networking

Regulatory compliance

Financial statement analysis

Education

Bachelor's degree in Accounting, Finance, Economics, Business Administration, or related field

Advanced degree or professional designation

Job description

Ultimate Staffing Services is actively seeking a seasoned Senior Commercial Lender to join their esteemed client's team in Maryland. This role involves managing and expanding a diverse portfolio of commercial loans and requires a professional who is adept at developing business strategies, analyzing financial data, and ensuring compliance with lending policies and regulations.

Responsibilities

Responsible for originating, managing, and servicing a diverse commercial loan portfolio, including:

• Commercial Real Estate
• Investment Real Estate
• Construction Lending
• Working Capital Facilities
• Operating Lines of Credit
• Small Business Lending
• Middle-Market Commercial Lending
• Asset-Based Lending

Develops and executes business development and marketing strategies designed to retain existing clients and generate new lending and deposit relationships. Independently analyzes financial information to evaluate borrower qualifications, assess creditworthiness, and structure appropriate financing solutions.

Prepares financial analyses, underwriting packages, and credit recommendations while ensuring compliance with organizational lending policies, guidelines, and applicable regulatory requirements.

Primary Responsibilities

• Originate and manage commercial lending relationships.
• Analyze financial statements, tax returns, cash flow, collateral, and other credit information.
• Prepare financial spreads and complete comprehensive loan underwriting.
• Present credit recommendations to lending and credit approval committees.
• Maintain and expand relationships within an assigned commercial portfolio.
• Conduct annual reviews, loan renewals, site visits, and ongoing risk assessments.
• Monitor portfolio performance and recommend appropriate risk rating adjustments.
• Develop and maintain referral networks with accountants, attorneys, commercial real estate professionals, and other business advisors.
• Cross-sell treasury management, deposit products, and other business financial services where appropriate.
• Participate in collection and workout activities when delinquency issues arise.
• Represent the organization at business events, networking functions, industry conferences, and community engagements.
• Deliver presentations and educational sessions related to business banking and commercial lending services.
• Perform additional duties as assigned.

Performance Expectations

The successful candidate will be expected to:

• Develop and close a significant volume of new commercial loan production annually, subject to established underwriting standards and credit approval requirements.
• Generate meaningful growth in commercial deposit relationships.
• Build a robust pipeline of lending opportunities through business development and referral activities.
• Maintain high portfolio quality and strong client retention.
• Be able to generate $10M of new loans (excluding participations) within the first year.
• Generate a minimum of $1,500,000.00 annually in business deposits.

Qualifications

Education

• Bachelor's degree in Accounting, Finance, Economics, Business Administration, or a related field preferred.
• Advanced degree or professional designation is a plus.

Experience

• Five (5) or more years of commercial lending and/or credit analysis experience required.
• Five (5) to eight (8) years of business banking, commercial banking, or comparable financial services experience required.
• Proven track record of commercial loan origination, underwriting, and relationship management.

Preferred Qualifications

• Completion of a formal commercial credit training program.
• Strong understanding of commercial lending regulations, credit risk assessment, and loan structuring.
• Demonstrated business development and networking skills.
• Experience speaking at business, industry, or small business events.
• Strong written and verbal communication skills.
• Ability to work independently while managing multiple priorities and deadlines.

Required Work Hours

Monday - Friday

Upon completion of 90 days incumbent may work hybrid schedule.

Benefits

• Medical, Dental, and Vision Coverage
• 401(k) Plan with Employer Match

Additional Details

Pay Range: $90,000 - $130,000 annually

All qualified applicants will receive consideration for employment without regard to race, color, national origin, age, ancestry, religion, sex, sexual orientation, gender identity, gender expression, marital status, disability, medical condition, genetic information, pregnancy, or military or veteran status. We consider all qualified applicants, including those with criminal histories, in a manner consistent with state and local laws, including the California Fair Chance Act, City of Los Angeles' Fair Chance Initiative for Hiring Ordinance, Los Angeles County Fair Chance Ordinance, and San Francisco Fair Chance Ordinance.