Sr. Commercial Lender
Job Summary:
We are seeking an experienced Senior Commercial Lender with a strong background in business banking, credit analysis, and financial spreading. The ideal candidate will be responsible for developing and managing commercial loan relationships, assessing creditworthiness, and structuring financial solutions to meet client needs. This role requires a deep understanding of financial statements, risk analysis, and loan structuring, along with a strong ability to build and maintain client relationships. This position offers hybrid flexibility 2-3 days per week.
- Business Development & Client Relationship Management:
- Develop and maintain strong relationships with business clients, referral sources, and industry professionals.
- Identify lending opportunities and structure customized financial solutions to meet client needs.
- Manage a portfolio of commercial loans while ensuring high credit quality and risk management.
- Cross-sell business banking products, including treasury management and deposit services.
- Loan Structuring & Credit Analysis:
- Analyze financial statements, tax returns, and cash flow projections to assess borrower creditworthiness.
- Conduct financial spreading and ratio analysis to evaluate business performance and loan eligibility.
- Structure, negotiate, and present loan proposals for commercial real estate, business acquisition, working capital, and equipment financing.
- Collaborate with underwriting and credit teams to ensure proper loan documentation, compliance, and risk assessment.
- Portfolio & Risk Management:
- Monitor loan portfolios to identify potential risks, covenant compliance, and credit deterioration.
- Work closely with credit officers to manage loan renewals, modifications, and workout strategies as needed.
- Stay updated on market trends, economic conditions, and regulatory changes that may impact lending activities.
- Compliance & Reporting:
- Ensure compliance with banking regulations, credit policies, and internal risk management guidelines.
- Prepare and present credit packages to loan committees and senior management.
- Maintain accurate records and documentation in accordance with bank policies and regulatory requirements.
Average salary estimate
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Are you a numbers whiz with a knack for building strong business relationships? At our company in Baltimore, MD, we’re on the lookout for a Senior Commercial Lender to join our dynamic team. This exciting position offers the chance to develop and manage an array of commercial loan relationships while utilizing your expertise in business banking and credit analysis. You will have the opportunity to work with diverse clients, assessing their creditworthiness and structuring the right financial solutions tailored to their needs. Bringing your understanding of financial statements, risk analysis, and loan structuring to the table will set you up for success in this role. A vital part of your day will involve staying connected with our valued clients, identifying new lending opportunities, and managing a portfolio of loans to ensure quality and compliance. Plus, our hybrid work model allows for flexibility with 2-3 days in the office each week! In return for your exceptional skills, we offer a competitive salary ranging between $90,000 to $125,000 annually, plus commission. If you’re ready to navigate the world of commercial lending and make a significant impact, we invite you to explore this opportunity with us!
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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