POSITION FUNCTION: 

Reporting to the Chief Loan Officer, the Commercial Lender is responsible for originating, developing, and managing a diversified portfolio of Commercial Real Estate (CRE) and Commercial & Industrial (C&I) loans.

This position combines proactive business development, relationship management, credit analysis, and portfolio oversight. The successful candidate will demonstrate strong commercial lending expertise, sound credit judgment, and a proven ability to establish and maintain profitable, long-term banking relationships.

ESSENTIAL FUNCTIONS:

Drive Commercial Lending Growth.

• Identify, develop, and cultivate new commercial lending opportunities through networking, referrals, community involvement, and existing customer relationships.
• Originate and structure CRE and C&I financing solutions, including commercial mortgages, term loans, revolving lines of credit, equipment financing, and other business lending products.
• Partner with business owners, commercial property investors, and other borrowers to understand their financial objectives and recommend appropriate lending solutions.
• Build and maintain a strong pipeline of commercial lending opportunities while working toward established loan production and annual net portfolio growth goals.
• Collaborate with Business Development and Retail Banking teams to identify opportunities for commercial deposits and additional banking relationships

Deliver Thoughtful Credit Solutions:

• Evaluate borrower financial statements, business plans, cash flow, collateral, and repayment capacity to assess creditworthiness.
• Analyze commercial real estate transactions, including property cash flow, debt service coverage, loan-to-value considerations, and overall transaction risk.
• Assess C&I lending opportunities through analysis of operating cash flow, working capital, leverage, liquidity, and business performance.
• Work closely with Credit Analysts and Underwriting to structure sound credit facilities consistent with the Bank's lending policies and risk appetite.
• Prepare and present credit proposals to Loan Committee, including appropriate financial analysis, recommended loan structures, and risk mitigation strategies.
• Coordinate with legal and loan documentation teams to facilitate accurate loan agreements, 

Manage and Grow Your Portfolio

• Maintain responsibility for the ongoing performance, credit quality, and profitability of an assigned commercial loan portfolio.
• Monitor borrower financial performance, loan covenants, repayment activity, and changing risk conditions.

Be a Trusted Banking Partner

• Develop lasting relationships with commercial customers by providing responsive service, thoughtful guidance, and practical financial solutions.
• Serve as a primary point of contact for commercial borrowers throughout the lending relationship.
• Collaborate with internal departments to deliver seamless, professional customer experience.
• Represent Savers Bank through community involvement, professional networking, and Bank-sponsored events.
• Maintain compliance with applicable banking regulations, including Know Your Customer (KYC), Anti-Money Laundering (AML), and internal credit policies.

Additional Responsibilities 

• Assist in overall Bank development projects, create respectable customer and internal relations, and provide a favorable public image for the Bank.
• Participate in bank-wide initiatives, training, and meetings to stay informed about product offerings and best practices.
• Annual “Net Portfolio Growth” goals will be set each year.
• Work collaboratively with other departments (e.g., credit, operations, legal) to ensure seamless loan processing and client service. 
• Attend and participate in community activities and bank events as directed.
• Perform related administrative or other job-related duties as may be assigned or directed by Manager(s). 

DISCLAIMER

Savers Bank is an equal opportunity employer and does not discriminate against any employee or applicant for employment based on race, color, religion, national origin, age, gender, sex, ancestry, citizenship status, mental or physical disability, genetic information, sexual orientation, veteran status, or military status.

 Qualifications

• Bachelor’s degree (Business related field preferred) or equivalent. Eight (8) or more years of commercial lending (Commercial Real Estate and Commercial & Industrial) with a proven track record of successful business development.
• Strong credit skills and a record of success in attaining and retaining commercial business.
• Familiarity with a variety of Commercial Lending’s concepts, practices, and procedures and rely on experience and good judgement to plan and accomplish goals
• Possess a strong background in analytical skills, lending services and sales skills.
• Excellent verbal and written communication skills, a team approach to work responsibilities and the ability to manage time and multiple responsibilities. A wide degree of creativity and latitude is expected.

Physical Demands:

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. 
• This job requires working from an office and travelling regularly to meet with customer, prospective customers, and performing real estate site visits and inspections. 
• While performing the duties of this job, the employee is regularly required to stand, talk, hear, and use hands and fingers to handle, feel or operate objects, tools, or controls and to reach with hands and arms.