8,662 Commercial Officer jobs in the United States

SCI, the leading real estate search firm, is recruiting on behalf of a rapidly growing real estate investment platform with a national portfolio. The firm is recognized for leveraging institutional best practices, entrepreneurial execution, and cutting-edge capital strategies to create long-term value across multifamily, student housing, hospitality, and other asset classes.

As the platform continues to expand, we are seeking an experienced Commercial Loan Officer to join the debt team. This is a high-impact, highly visible opportunity to originate senior secured and bridge loans across multiple property types, working directly with partners and senior leadership. The role offers access to significant deployable capital, institutional resources, and the chance to play a key part in building a fast-paced, entrepreneurial lending platform with unlimited income potential.

Key Responsibilities

• Source, develop, and maintain borrower relationships across target markets, with a focus on multifamily, student housing, hospitality, office, industrial, retail, and land.
• Originate $50M–$100M+ in senior debt annually through direct borrower relationships and strategic networks.
• Structure, negotiate, and close complex debt transactions.
• Conduct initial underwriting and financial analysis, collaborating with analysts and underwriters to finalize loan packages.
• Monitor market conditions and identify lending opportunities aligned with platform strategy.
• Partner with senior leadership to refine lending strategy, optimize deal flow, and support portfolio growth.

Qualifications

• Bachelor’s degree in Business, Finance, Real Estate, or related field.
• Experience in commercial real estate lending, with a strong record of originating loans.
• Demonstrated success working for a debt fund, mortgage banker, brokerage firm, or non-bank lender.
• Proven ability to build and grow borrower relationships, ideally with a book of business outside of Texas markets.
• Strong technical skills in underwriting, structuring, pricing, and closing debt transactions.
• Ability to analyze financial statements, loan structures, and market conditions with sound credit judgment.

Position Summary

• Manage a team of Commercial Underwriters and Credit Analysts, including hiring, training, mentoring and on-going professional development efforts.
• Ensure that timely underwriting is being achieved through regular communication with the Underwriters and Analysts. Additionally communicate with Regional/Market leadership to ensure awareness of priorities for work flow.
• Use financial data such as cash flow, liquidity, profitability, and leverage to determine and minimize the overall risk of extending credit to businesses and individuals. Review the prospective loan grade of each approval to ensure it aligns with regulatory and policy definitions.
• Assist with Portfolio Management duties that include reviewing financial covenants, portfolio reviews, sensitive asset reports, exceptions reporting and monitoring borrowing base reports.
• Assist Commercial Relationship Managers with structuring loan opportunities through the preparation and review of opportunity memos for new and existing relationships.
• Facilitate the Expedited Underwriting (EU) credit process, including review and approval of loan requests and ongoing process and procedures reviews. EU represents commercial relationships less than $1,000,000.
• Maintain a working knowledge of the Commercial Banking Loan Policy, playbook and commercial lending technology platform.
• Assist in the sales process, including accompanying Relationship Managers on customer and prospect calls.
• Approve loans that are within defined authority levels; recommend loans for approval that are in excess of defined authority levels.
• Participate in pipeline meetings to develop knowledge of prospective opportunities as well as upcoming renewals.
• Communicate upstream with the RCO and Regional/Market leadership regularly to maintain an open dialogue regarding personnel disagreements/issues, pipeline updates, credit migration/deterioration, including raising potential solutions to identified issues.
• Assist with other duties or special projects as assigned.

Knowledge of:

• Strong oral and written communication skills
• Strong interpersonal, organizational, analytical, presentation, and critical thinking skills
• Proficiency in Microsoft Office Suite
• Knowledge of financial accounting

Ability to:

• Multi-task and work independently
• Analyze and solve problems
• Take independent action within established guidelines and develop new procedures and approaches when needed
• Perform duties under frequent time pressures

Education and Training:

• C & I/Owner Occupied
• Requires Bachelor's degree with a concentration in Business or Finance.
• Requires 7 or more years of Commercial Real Estate Credit experience.
• Requires knowledge of Microsoft Office.
  OR
• Commercial Real Estate
• Requires Bachelor's degree with a concentration in Business or Finance.
• Requires 7 or more years of Commercial Real Estate Credit experience.
• Requires knowledge of Microsoft Office.

Compensation and Benefits

Salary offered is based on factors, including but not limited to, the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance.

(Base Pay Range: $10,000 - 140,000/year)

Busey provides a competitive Total Rewards package in return for your time, talents, efforts and ultimately, results. Your personal and professional well-being-now and in the years to come-are important to us. Busey's Total Rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, short-term and long-term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit BuseyTotal Rewardsfor more information.

Equal Opportunity

Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey's commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. VisitBusey.com/Careersto learn more about Busey's Equal Opportunity Employment.

Unsolicited Resumes

Busey Bank, and its subsidiaries, does not accept any liability for fees for resumes from recruiters or employment agencies ("Agency"), without a binding, written recruitment agreement between Busey and Agency describing the services and specific job openings ("Agreement"). Busey may consider any candidate for whom an Agency has submitted an unsolicited resume and explicitly reserves the right to hire those candidate(s) without any financial obligation to the Agency, unless an Agreement is in place. Any email or verbal contact with any Busey associate is inadequate to create a binding agreement. Agencies without an Agreement are requested not to contact any associates of Busey with recruiting inquiries or resumes. Busey respectfully requests no phone calls or emails.

We are seeking a Commercial Credit Officer to join our team! This role is responsible for developing, implementing, and managing credit policies and procedures to ensure compliance, minimize risk, and optimize CoVantage's commercial lending portfolio. The Commercial Credit Officer leads the Commercial Credit Analyst team towards operational excellence. Join a team that takes pride in building strong relationships and helping businesses thrive! This individual will have the option to choose from our Antigo, De Pere, New Lenox, Suamico, or Wausau branches for their office.

CoVantage invests in our team members! This is a salaried position ranging from $104,223 to $156,333. The final remuneration will be determined in accordance with CoVantage Credit Union standard practices, reflecting the successful candidates' skills and experience. Benefits include a 401k employer match of up to 200%, a bonus of annual salary up to 8%, a generous employer HSA contribution, and paid time off for community service.

Job Duties:

• Leads commercial credit operations, overseeing underwriting, approval processes, and portfolio management,
• Executes CoVantage's credit risk strategy in alignment with its policy, culture, and mission.
• Establishes and enforces credit limits, exposure guidelines, and risk concentration standards.
• Evaluates high-risk and large credit requests.
• Ensures compliance with laws, regulations, and industry standards.
• Communicates credit risk assessments and strategies to leadership, the board, and regulators.
• Guides the development of credit products, policies and risk assessment models.

Qualifications:

• Bachelor's degree in finance, business administration, accounting, or related field.
• Strong knowledge of credit risk models, financial analysis, and regulatory requirements.
• A minimum of 10 years' experience in credit risk management, lending, or related field.
• Proven track record in leadership role within banking, financial services, or credit focused organizations.
• Effective communication and interpersonal skills.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws.

We are seeking a Commercial Credit Officer to join our team! This role is responsible for developing, implementing, and managing credit policies and procedures to ensure compliance, minimize risk, and optimize CoVantage's commercial lending portfolio. The Commercial Credit Officer leads the Commercial Credit Analyst team towards operational excellence. Join a team that takes pride in building strong relationships and helping businesses thrive! This individual will have the option to choose from our Antigo, De Pere, New Lenox, Suamico, or Wausau branches for their office.

CoVantage invests in our team members! This is a salaried position ranging from $104,223 to $156,333. The final remuneration will be determined in accordance with CoVantage Credit Union standard practices, reflecting the successful candidates' skills and experience. Benefits include a 401k employer match of up to 200%, a bonus of annual salary up to 8%, a generous employer HSA contribution, and paid time off for community service.

Job Duties:

• Leads commercial credit operations, overseeing underwriting, approval processes, and portfolio management,
• Executes CoVantage's credit risk strategy in alignment with its policy, culture, and mission.
• Establishes and enforces credit limits, exposure guidelines, and risk concentration standards.
• Evaluates high-risk and large credit requests.
• Ensures compliance with laws, regulations, and industry standards.
• Communicates credit risk assessments and strategies to leadership, the board, and regulators.
• Guides the development of credit products, policies and risk assessment models.

Qualifications:

• Bachelor's degree in finance, business administration, accounting, or related field.
• Strong knowledge of credit risk models, financial analysis, and regulatory requirements.
• A minimum of 10 years' experience in credit risk management, lending, or related field.
• Proven track record in leadership role within banking, financial services, or credit focused organizations.
• Effective communication and interpersonal skills.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws.

Join to apply for the Commercial Credit Officer role at Bank of America

3 days ago Be among the first 25 applicants

Join to apply for the Commercial Credit Officer role at Bank of America

This range is provided by Bank of America. Your actual pay will be based on your skills and experience talk with your recruiter to learn more.

$125,000.00/yr - $00,000.00/yr

Job Description:

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.

Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.

Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.

At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

Job Description:

This job is responsible for managing a national portfolio of Global Commercial Banking (GCB) FinTech relationships, working directly with clients and prospects to provide financing solutions for multinational FinTech companies in the payments and financial software verticals. Key responsibilities include originating and structuring loans, negotiating terms and conditions, leading the credit process from pitch through underwriting, approval, booking and closing, with a focus on growing loans and credit revenue and managing asset quality.

The Commercial Credit Officer (CO) is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients, whether publicly traded or privately held. Products include lines of credit, term loans, and syndicated loans. The CO manages all of the ancillary credit exposure to clients and maintains knowledge of other Bank of America products including investment banking, treasury management and hedging solutions that have credit exposure, and leverages product and industry expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. This role reports to the Commercial Credit Manager or Executive and will be aligned to an underwriting team that supports the business.

FinTech is a fast-paced work environment with a highly active portfolio and strong deal flow from large cap and middle market companies. Experience with FinTech companies is preferred.

Responsibilities:

• Manages the credit process for a portfolio of clients
• Negotiates credit documentation and manages the legal documentation process
• Leads the credit and risk approval processes
• Builds relationships with existing and prospective clients
• Mentors and supports associates
• Provides capital structure solutions
  
  

• Client Solutions Advisory
• Financial Analysis
• Loan Structuring
• Risk Management
• Underwriting
• Account Management
• Credit Documentation Requirements
• Credit and Risk Assessment
• Decision Making
• Issue Management
• Analytical Thinking
• Coaching
• Collaboration
• Critical Thinking
• Customer and Client Focus
  
  

• 10+ years of solid Commercial Banking experience
• Experience in financial analysis, structuring, underwriting and portfolio management
• Analytical/technical skills, including financial accounting, modeling and loan structuring
• Strong communication skills; ability to communicate vertically, horizontally, and externally
• Strong FinTech industry knowledge
  
  

• Seniority level Mid-Senior level

• Employment type Full-time

• Job function Finance and Sales
• Industries Banking

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Were unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI.

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.

Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.

Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.

At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

The Commercial Credit Officer (CCO) is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients. Products include lines of credit, term loans, real estate loans, and syndicated loans. The CO manages all of the ancillary credit exposure to clients. The CO maintains knowledge of other BofA products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. This role reports to the Commercial Credit Manager or Executive and will be aligned to an Underwriting Team that supports the market.

Responsibilities:

• Manages the credit process for a portfolio of clients
• Negotiates credit documentation
• Leads the credit and risk approval processes
• Builds relationships with existing and prospective clients
• Mentors and supports associates
• Provides capital structure solutions

Skills:

• Client Solutions Advisory
• Financial Analysis
• Loan Structuring
• Risk Management
• Underwriting
• Account Management
• Credit Documentation Requirements
• Credit and Risk Assessment
• Decision Making
• Issue Management
• Analytical Thinking
• Coaching
• Collaboration
• Critical Thinking
• Customer and Client Focus

Required Qualifications:

• 10+ years of solid Commercial Banking experience
• Experience in financial analysis, structuring, underwriting and portfolio management
• Analytical/technical skills, including financial accounting, modeling and loan structuring
• Strong communication skills; ability to communicate vertically, horizontally, and externally
• Industry knowledge across multiple sectors

Minimum Education Requirement: BA/BS Degree Desired

Shift: 1st shift (United States of America)

Hours Per Week: 40