Commercial Loan Officer

First Federal Lakewood is seeking a Commercial Loan Officer to develop and manage commercial banking relationships in our community-focused mutual bank. In this role, you will source and structure commercial loans, analyze financial statements and credit risk, prepare loan proposals, and manage a high-quality portfolio. You will collaborate with underwriting, credit, and retail teams to deliver tailored financing solutions, ensure compliance with bank policies and regulations, and support long-term client relationships that reflect our customer-first culture and local decision-making philosophy.

Responsibilities

• Develop and grow commercial banking relationships within the local market

• Source, structure, and negotiate commercial loan opportunities

• Analyze financial statements, cash flow, and collateral to assess credit risk

• Prepare and present loan packages and recommendations for approval

• Manage and monitor an assigned commercial loan portfolio for performance and risk

• Ensure compliance with bank policies, procedures, and regulatory requirements

• Collaborate with underwriting, credit, and retail teams to deliver client solutions

• Provide excellent customer service and support long-term client relationships

• Participate in community and networking events to generate new business

• Identify cross-sell opportunities for other bank products and services Required Skills

• Commercial lending

• Credit analysis

• Financial statement analysis

• Cash flow modeling

• Loan structuring and underwriting

• Portfolio management

• Risk assessment and mitigation

• Regulatory and compliance knowledge

• Customer relationship management

• Sales and business development

• Financial modeling software

• Loan documentation and closing