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Commercial Lending Officer Jobs (NOW HIRING)

Cypress HCM

Commercial Lending Officer

Cincinnati, OH

$110K - $140K/yr

Commercial Lending Officer Location : Blue Ash, OH (On-Site) Pay: $110,000-140,000 (compensation can vary depending on experience) + Benefits, Community Involvement, PTO, 401k match (10% dollar for ...

Park Avenue Group

Chief Lending Officer

Rapid City, SD · On-site

Chief Lending Officer Angott Search Group is pleased to partner with a credit union in the search ... The CLO oversees consumer, mortgage, and commercial lending functions while ensuring compliance ...

ABOC

Commercial Lending Officer

Chicago, IL · On-site

$120K - $150K/yr

We work hard to nurture and maintain a mutually respectful, diverse culture that fosters teamwork and a commitment to exceptional customer service. ABOC looking for a Commercial Lending Officer .This ...

Socket.dev

NY · On-site

$180 - $320/hr

Chief Lending Officer Location: 1500 NW 107th Avenue Miami, FL. 33172 Summary The Chief Lending ... This position oversees all lending areas, including consumer lending, commercial lending, indirect ...

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Commercial Lending Officer information

See salary details

$46K

$102.3K

$174.5K

How much do commercial lending officer jobs pay per year?

As of Aug 25, 2026, the average yearly pay for commercial lending officer in the United States is $102,331.00, according to ZipRecruiter salary data. Most workers in this role earn between $80,000.00 and $116,500.00 per year, depending on experience, location, and employer.

What is a commercial lending officer?

A Commercial Lending Officer is a banking professional who specializes in providing loans and other credit products to businesses. Their primary responsibilities include evaluating loan applications, assessing the creditworthiness of businesses, structuring loan agreements, and managing client relationships. They work closely with business clients to understand their financial needs and recommend appropriate lending solutions. Commercial Lending Officers also monitor loan portfolios to ensure ongoing compliance and risk management. This role requires strong analytical skills, financial expertise, and excellent communication abilities.

What are the key skills and qualifications needed to thrive as a commercial lending officer?

To thrive as a Commercial Lending Officer, you need strong financial analysis skills, knowledge of credit risk assessment, and a solid understanding of commercial banking products, typically supported by a degree in finance or business. Familiarity with loan origination systems, credit scoring software, and regulatory compliance tools is crucial. Excellent communication, negotiation abilities, and relationship-building skills set top performers apart in this role. These skills collectively enable officers to make sound lending decisions, manage risk, and foster long-term client relationships vital for business growth.

What are the typical challenges faced by commercial lending officers when managing client portfolios?

Commercial Lending Officers often encounter challenges such as evaluating the creditworthiness of diverse businesses, monitoring financial performance of existing clients, and ensuring compliance with regulatory requirements. Balancing the need to grow the loan portfolio while managing risk is a constant priority. Additionally, maintaining strong client relationships and swiftly responding to changes in clients’ financial situations can be demanding but is crucial for success in this role.

What is the difference between Commercial Lending Officer vs Commercial Loan Processor?

AspectCommercial Lending OfficerCommercial Loan Processor
Primary RoleUnderwrites and approves commercial loans, builds client relationshipsPrepares and processes loan documentation, verifies information
Required CredentialsTypically requires a bachelor's degree, relevant banking certificationsOften requires a high school diploma or associate degree, banking experience
Work EnvironmentClient-facing, sales-oriented, in bank branches or officesAdministrative, behind-the-scenes, in office settings
Industry UsageCommonly employed by banks, credit unions, financial institutionsFound in similar institutions, supporting loan approval processes

The main difference is that Commercial Lending Officers focus on client relationships and loan approval decisions, while Commercial Loan Processors handle the documentation and verification tasks. Both roles are essential in the commercial lending process but differ in responsibilities and daily activities.

Is it hard to be a commercial lending officer?

Being a commercial lending officer can be challenging due to the need for strong financial analysis, risk assessment, and customer relationship skills. The role often requires a bachelor's degree in finance, business, or related fields, along with experience in banking or lending. Success depends on attention to detail, decision-making ability, and understanding of market conditions.
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Commercial Lending Officer jobs near you
Infographic showing various Commercial Lending Officer job openings in the United States as of August 2026, with employment types broken down into 97% Full Time, and 3% Part Time. Highlights an 99% Physical, and 1% Remote job distribution, with an average salary of $102,331 per year, or $49.2 per hour.

Commercial Lending Officer

Cincinnati, OH

Cypress HCM
Recruiting and Staffing Services • 51 - 200 employees
Learn more about Cypress HCMexternal

$110K - $140K/yr

Full-time

Retirement, PTO

Re-posted 18 days ago

Job description

Commercial Lending Officer
Location: Blue Ash, OH (On-Site)
Pay: $110,000-140,000 (compensation can vary depending on experience) + Benefits, Community Involvement, PTO, 401k match (10% dollar for dollar), Roth contribution
General Overview
The Commercial Lending Officer is responsible for developing new commercial business and expanding existing commercial customer relationships. The role involves originating and servicing a variety of commercial and commercial real estate loans, maintaining compliance with lending policies and regulatory requirements, and managing a high-quality loan portfolio to minimize losses.
Responsibilities
  • Contact viable leads and existing clients to identify and pursue new lending opportunities
  • Understand and effectively articulate the credit union’s products, services, and value propositions
  • Network and build strong centers of influence (COIs) to generate opportunities aligned with growth strategy
  • Build, maintain and manage relationships within an assigned book of business; aim for deposit growth objectives while ensuring excellent member service
  • Maintain professional, prompt communications throughout the loan process with COIs, applicants, vendors, colleagues
  • Manage the portfolio: renewals, modifications, etc.
  • Evaluate, analyze, and interpret financial data to assess creditworthiness and risks
  • Counsel members during the loan process, negotiate terms, and structure loans appropriately
  • Stay current on market trends to propose competitive financing solutions
  • Ensure all loans comply with internal lending policies and external regulatory requirements Represent the credit union in community and external activities to promote services and enhance public image
  • Collaborate internally to ensure efficient loan processing
  • Perform other supporting duties as needed
Requirements
  • Minimum of 3 years’ experience in commercial lending and portfolio management
  • Ability to read and understand tax returns, financial statements, credit reports, and business documents
  • Working knowledge of commercial transaction types: real estate, equipment financing, ownership changes, etc.
  • Understanding of applicable regulatory requirements for commercial lending
  • Ability to work independently, self-starter mentality, and results driven
  • Strong communication and relationship-building skills
  • High school diploma or GED required; bachelor’s degree preferred
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About Cypress HCM

Sourced by ZipRecruiter

We deliver consistently superior recruiting by virtue of trusting, communicative relationships with companies and candidates alike. From Fortune 100s to startups, clients lean on us to fulfill their range of needs from contract to full-time positions. With an intimate knowledge of the industries we serve, a keen sense of what makes for high-performing talent in any role, and shared sense of urgency, our clients will tell you: your solution begins here.

Industry

Recruiting and staffing services

Company size

51 - 200 Employees

Headquarters location

Walnut Creek, CA, US

Year founded

2005

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