Commercial Lending Associate

About the Role

The Commercial Lending Associate is a key member of the Commercial Banking team, supporting Commercial Loan Officers with portfolio management, customer relationship support, loan administration, and credit analysis. This role offers a developmental path toward becoming a Commercial Loan Officer or Portfolio Manager.

Key Responsibilities

Portfolio Management

• Assist Commercial Loan Officers with the ongoing management of commercial loan portfolios.
• Monitor loan maturities, financial reporting requirements, borrowing base reports, covenant compliance, and documentation exceptions.
• Coordinate annual reviews and periodic credit monitoring activities.
• Identify and proactively communicate upcoming renewal, modification, and servicing needs.
• Help ensure loans comply with bank policy, approval requirements, and applicable regulations.

Customer Relationship Support

• Coordinate with Loan Servicing for commercial customer inquiries and servicing requests.
• Develop and maintain professional relationships with commercial clients.
• Coordinate communication among borrowers, Commercial Loan Officers, Credit Administration, Loan Operations, and other bank departments.
• Assist customers with documentation requests, loan maintenance matters, and closing requirements.
• Support Commercial Loan Officers in managing and expanding customer relationships.

Loan Renewals and Modifications

• Obtain updated financial statements, tax returns, rent rolls, organizational documents, and other required borrower information.
• Assist with the preparation of loan renewal and modification requests.
• Review borrower documentation for completeness, consistency, and accuracy.
• Track maturing loans and help ensure renewal packages are completed before maturity.
• Coordinate with Credit Administration and Loan Operations throughout the approval and documentation process.

Loan Closing Coordination

• Assist with collecting and organizing required due diligence and closing documentation.
• Coordinate with commercial loan processing associated with monitoring outstanding conditions and documentation items related to commercial loan closings.
• Confirm required documentation is received and submitted before funding.
• Assist in resolving documentation deficiencies and post-closing exceptions.

Credit Analysis and Underwriting Support

• Analyze business and personal financial statements, tax returns, and supporting financial information.
• Prepare financial spreads, trend analyses, and borrower or guarantor summaries.
• Assist with cash flow analysis, debt service coverage calculations, global cash flow analysis, and collateral evaluations.
• Support the preparation of credit approval requests, annual reviews, and relationship summaries.
• Work with Commercial Loan Officers and Credit Administration to evaluate creditworthiness, repayment capacity, and overall relationship risk.

Administrative and Reporting Functions

• Maintain accurate loan, customer, and relationship records.
• Assist with portfolio reporting, exception tracking, and management information requests.
• Support internal audits, compliance examinations, and loan review activities.
• Follow established documentation standards, bank procedures, and regulatory requirements.
• Comply with all applicable banking regulations, including Bank Secrecy Act requirements and information security standards.
• Perform other duties as assigned or as needed.

Requirements & Tech Stack

• Proficiency in credit analysis and loan administration is essential.
• Experience with financial statement analysis and documentation review.
• Familiarity with banking regulations and compliance.

Qualifications

• Strong organizational and communication skills.
• Ability to multitask and prioritize effectively.
• Detail-oriented with a commitment to accuracy.