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Commercial Lender

We are seeking an experienced and highly skilled Commercial Lender with over 10 years of experience to join our dynamic team. As a Commercial Lender, you will be responsible for managing and growing a diverse portfolio of business clients, providing financial solutions that meet their needs, and contributing to the overall growth and profitability of the bank. The ideal candidate will have a deep understanding of commercial lending practices, strong analytical skills, and the ability to build and maintain relationships with clients.


Key Responsibilities
  • Loan Origination & Underwriting: Identify, evaluate, and originate commercial loan opportunities, including business lines of credit, term loans, and real estate financing. Perform thorough financial analysis and credit risk assessments to determine loan eligibility.
  • Client Relationship Management: Develop and maintain strong relationships with existing clients to ensure high customer satisfaction and retention. Proactively engage with potential clients to grow the commercial lending portfolio.
  • Portfolio Management: Manage a diverse portfolio of commercial loans, ensuring compliance with bank policies and regulatory guidelines. Regularly review loan performance and address any potential issues or risks.
  • Cross-Functional Collaboration: Work closely with internal teams, including credit analysts, underwriters, and relationship managers, to ensure a seamless loan process and successful client outcomes.
  • Business Development: Identify and pursue new business opportunities within the local market. Participate in networking events, industry conferences, and community outreach activities to promote the bank’s lending services.
  • Risk Management: Ensure that all loans are in compliance with bank policies, legal requirements, and industry standards. Monitor market trends, economic factors, and regulatory changes to assess potential impacts on the lending portfolio.
  • Loan Documentation & Compliance: Ensure accurate and timely preparation of loan documentation, including loan agreements, collateral agreements, and financial covenants. Ensure compliance with all regulatory and legal requirements.
  • Financial Reporting: Prepare and present financial reports, loan performance data, and portfolio metrics to senior management.


  • High School Diploma – Required
  • General Education Degree (GED) – in lieu of H.S. Diploma
  • Associates Degree - General Studies - Preferred
  • Five (5) to eight (8) yrs. banking or Credit Union experience required
  • Two (2) to four (4) yrs. Commercial Lending experience and sales background required


$90,000 - $125,000 a year
There are opportunities for commission
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Average salary estimate

$107500 / YEARLY (est.)
min
max
$90000K
$125000K

If an employer mentions a salary or salary range on their job, we display it as an "Employer Estimate". If a job has no salary data, Rise displays an estimate if available.

What You Should Know About Commercial Lender, Latitude Inc

Join our team as a Commercial Lender at our Linthicum Heights, MD location, and bring your extensive experience to the forefront of our dynamic lending environment! If you have over 10 years in commercial lending, you’ll find this opportunity is not just about managing loans, but about significantly impacting the businesses in our community. You'll be tasked with identifying and evaluating diverse loan opportunities such as business lines of credit, term loans, and real estate financing. You'll utilize your strong analytical skills to perform credit risk assessments, ensuring that your clients receive the best financial solutions tailored to their needs. Building and nurturing client relationships is key; your role will involve developing strong connections to foster customer satisfaction and retention while you actively engage potential clients to expand our lending portfolio. As a critical member of our team, you'll collaborate cross-functionally with credit analysts, underwriters, and relationship managers to ensure smooth loan processing and successful outcomes. You will also play a pivotal role in business development by identifying market opportunities, participating in industry events, and representing our bank within the community. With your keen sense for risk management and compliance, you'll ensure that all lending activities meet bank policies and regulatory standards. If you’re looking to take your banking career to the next level while yielding substantial financial rewards, we invite you to apply for this position and be part of our vibrant team!

Frequently Asked Questions (FAQs) for Commercial Lender Role at Latitude Inc
What are the responsibilities of a Commercial Lender at our bank in Linthicum Heights, MD?

As a Commercial Lender at our bank in Linthicum Heights, MD, your core responsibilities include loan origination and underwriting, managing a diverse portfolio, and maintaining strong client relationships. You'll evaluate and originate various commercial loans, perform credit risk assessments, and ensure compliance with banking standards. Additionally, you'll engage in business development activities and collaborate with internal teams to deliver seamless client experiences.

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What qualifications are needed for the Commercial Lender position in Linthicum Heights, MD?

To qualify for the Commercial Lender role in Linthicum Heights, MD, candidates should possess a high school diploma (or GED), while an associate degree is preferred. Candidates are expected to have at least 5 to 8 years of banking or credit union experience, complemented by 2 to 4 years of experience specifically in commercial lending and sales. Strong analytical and relationship-building skills are also essential.

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What can I expect regarding commission and salary as a Commercial Lender in Linthicum Heights, MD?

The salary for the Commercial Lender position in Linthicum Heights, MD, ranges from $90,000 to $125,000 annually, with additional opportunities for commission. This means that your earning potential can increase significantly based on your performance and success in growing the loan portfolio.

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What is the importance of portfolio management for a Commercial Lender in Linthicum Heights, MD?

Portfolio management is crucial for a Commercial Lender in Linthicum Heights, MD, as it involves overseeing and managing all commercial loans within your care. You'll need to regularly assess loan performance, identify potential risks, and ensure compliance with both bank policies and regulatory requirements. Effective portfolio management can help mitigate risks and contribute to the overall profitability of the bank.

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How does the Commercial Lender role contribute to business development in Linthicum Heights, MD?

In the Commercial Lender role, business development is a significant aspect of your responsibilities. You'll actively identify and pursue new opportunities within the local market, participating in networking events and community engagements. By promoting the bank’s lending services, you not only grow your portfolio but also strengthen the bank's position within the business community.

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Common Interview Questions for Commercial Lender
Can you describe your experience with commercial loan underwriting?

In answering this question, discuss specific experiences that highlight your skills in evaluating loan requests, performing credit assessments, and ensuring borrower qualifications. Provide examples of challenges faced and how you successfully navigated them.

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How do you approach relationship management with clients?

Explain how you build rapport with clients, actively listen to their needs, and maintain communication. Highlight your strategies for retention and client satisfaction, as well as any tools or CRM software you may use.

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What steps do you take to ensure compliance with regulations?

Discuss your familiarity with lending regulations and policies, as well as your methods for staying updated with changes in the industry. Give examples of how you have ensured compliance in past roles and any successful audits or reviews.

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How do you identify and pursue new business opportunities?

Share your strategies for market analysis and networking. Discuss how you leverage connections in the industry, attend events, or utilize social media to identify potential clients and drive business growth.

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What are the key elements you consider during a financial analysis?

Mention specific financial metrics you analyze, such as cash flow, debt service coverage ratio, and credit history. Explain how these elements inform your decision-making process for loan approvals.

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Can you give an example of a challenging loan situation you faced and how you resolved it?

When addressing this question, choose a specific example that showcases your problem-solving skills, your ability to communicate effectively with clients, and your analytical capabilities in finding solutions that benefit all parties involved.

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How do you balance risk management with meeting client needs?

Illustrate your understanding of risk management principles and how you assess risk without compromising customer service. Provide examples of how you communicate potential risks to clients while still offering valuable solutions.

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What tools do you use for financial reporting?

Mention the financial software, analytics tools, or reporting systems you are familiar with and how you utilize them to prepare and present accurate reports to senior management.

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What strategies do you employ to manage a diverse loan portfolio?

Describe how you evaluate the performance of loans within your portfolio, including the metrics you track and how you address underperforming loans. Emphasize your proactive approach to portfolio management.

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Why do you believe you are a good fit for the Commercial Lender role at our bank in Linthicum Heights, MD?

Use this question to summarize your relevant experience, skills, and passion for commercial lending. Share your enthusiasm for joining the team and contributing to the bank's mission in the local community.

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Latitude is a Human Resource Consulting Firm headquartered in Hanover, MD with branch offices in Hunt Valley, MD and Winter Park, FL. Latitude provides consulting services to a wide range of industries in both the Private and Public Sectors. We ar...

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Full-time, on-site
DATE POSTED
March 14, 2025

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