Commercial Loan Officer

ConnectOne Bank is seeking a Commercial Loan Officer to build and manage commercial lending relationships across the NY-NJ region. In this client-focused role, you will source new business, analyze financials, structure and underwrite loans, and manage a portfolio that supports local businesses and community growth. You will collaborate closely with credit, treasury management, and branch teams, exercising entrepreneurial judgment in a fast-paced, growth-oriented environment. This role offers strong visibility, career growth, and the opportunity to make a meaningful regional impact while delivering high-touch service.

Responsibilities

• Source, develop, and manage commercial lending relationships with business clients in the NY-NJ region

• Analyze financial statements, cash flow, collateral, and credit risk to structure sound commercial loans

• Prepare and present loan proposals, ensuring adherence to bank policies and regulatory requirements

• Manage a portfolio of commercial loans, monitoring performance and proactively addressing risk

• Collaborate with credit, treasury management, and branch teams to deliver integrated banking solutions

• Negotiate terms and pricing to balance client needs with bank profitability and risk standards

• Participate in community and networking events to expand market presence and generate new business

• Maintain accurate documentation and ensure timely closing, funding, and ongoing file maintenance Required Skills

• Commercial credit analysis

• Financial statement analysis

• Loan structuring and underwriting

• Portfolio and risk management

• Knowledge of banking regulations and compliance

• Cash flow and collateral evaluation

• Sales and business development

• Relationship management

• Loan documentation and closing

• Use of banking and loan origination systems