Senior Commercial Lending Officer

3 days ago


San Diego, California, United States Enterprise Bank & Trust Full time

Job Summary:

Enterprise Bank & Trust is seeking a highly skilled and experienced Senior Commercial Lending Officer to join our team. As a key member of our commercial lending department, you will be responsible for developing and managing new commercial loan accounts and client relationships, while enhancing existing customer relationships.

Key Responsibilities:

  • Represent the bank in the business community, developing relationships with business owners, C-level executives, and other key decision-makers.
  • Build and maintain a list of targeted prospect profiles, strategize and execute a call plan to meet individual and team sales objectives.
  • Manage and service commercial relationships by interviewing applicants and obtaining pertinent financial data.
  • Evaluate financial information and determine whether a credit is an acceptable risk.
  • Approve loans within assigned lending authority, and recommend credits outside lending authority to the next level or present to the Loan Committee.
  • Monitor market conditions, observing competitor impact and make recommendations to maintain competitive and profitable product lines.
  • Develop and maintain comprehensive knowledge of all commercial products to facilitate cross-selling and enhance the client experience.
  • Analyze financial statements and related information.

Requirements:

  • Demonstrated skills in commercial credit underwriting, business development, and portfolio management for mid-sized developers and investors.
  • Minimum of 5-7 years of Commercial Lending experience preferred.
  • Excellent communication, presentation, and interpersonal skills.
  • Superb people skills to work within a team environment and successfully develop and retain client relationships.
  • Proven ability to cross-sell other banking products, including loans, deposits, and treasury management.
  • Self-motivated to work independently and take ownership.
  • Effective time management and organizational skills are required.
  • Must be attentive to detail and accurate when analyzing financial statements and presenting a credit package for formal approval.
  • This position requires the use of sound business discretion, good judgment, and excellent problem-solving skills.

Education and Experience:

  • Bachelor's degree in Finance or Business.
  • Minimum five to seven years related experience and training in commercial banking.

Compensation:

Salary Range: $124,586 - $186,879. Amount is based on relevant experience, skills, and competencies.

Equal Opportunity Statement:

Enterprise Bank & Trust is committed to helping individuals with disabilities participate in the workforce and ensuring equal opportunity to apply and compete for jobs. If you need an accommodation in order to apply for a position at Enterprise Bank & Trust please contact Human Resources.



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