Commercial Loan Officer

About the Role Our client, a distinguished community bank serving the **Richmond, Virginia** area, is looking for a dynamic and client-focused Commercial Loan Officer. This role is central to expanding the bank's commercial lending portfolio and fostering strong relationships with local businesses. You will be responsible for originating, underwriting, and managing a portfolio of commercial loans, ensuring compliance with bank policies and regulatory standards. The ideal candidate will possess excellent interpersonal skills, a keen understanding of business finance, and a proven track record in loan origination and portfolio management. This is an outstanding opportunity to leverage your expertise in **Richmond, Virginia**, and contribute significantly to the economic growth of the region while advancing your career in commercial banking. Key Responsibilities Originate new commercial loans through networking, referrals, and proactive business development within the **Richmond** market. Analyze the financial needs and creditworthiness of prospective commercial borrowers. Prepare loan proposals, including financial analysis, risk assessment, and proposed terms. Underwrite commercial real estate, business expansion, and working capital loans. Manage and service an existing portfolio of commercial loans, ensuring timely renewals and addressing any potential issues. Build and maintain strong, long-term relationships with business clients. Collaborate with internal departments, including credit administration and legal, to ensure smooth loan processing and closing. Stay informed about local market conditions, industry trends, and competitive lending products. Ensure all lending activities comply with bank policies and relevant regulations. Requirements Bachelor's degree in Business Administration, Finance, Economics, or a related field. Minimum of 5 years of experience in commercial lending, business development, or a related banking role. Demonstrated success in originating and closing commercial loans. Strong understanding of commercial credit analysis, underwriting principles, and financial statement analysis. Excellent negotiation, communication, and interpersonal skills. Proficiency in financial software and CRM systems. Knowledge of the **Richmond, Virginia** business community is highly desirable. Ability to work independently and manage a demanding workload. Bachelor's or Master's degree in Business, Finance, or a related field is strongly preferred. Must possess a valid driver's license and maintain a good driving record. Benefits Our client offers a competitive base salary plus an attractive commission/bonus structure, reflecting the performance-driven nature of the role. Comprehensive benefits include health, dental, and vision insurance, a 401(k) plan with employer match, paid holidays and vacation, life insurance, and opportunities for continued professional education and career growth. Join a supportive team dedicated to serving the **Richmond** business community.