Commercial Loan Officer
On Tap Credit Union•Golden, CO
•$70,000 - $85,000
About The Position
At On Tap Credit Union, we’re not just funding businesses — we’re fueling growth in the communities we serve. We’re looking for a driven, relationship-focused Commercial Loan Officer who thrives on building connections, generating new business, and delivering smart, consultative financial solutions. If you’re passionate about business development, credit analysis, and becoming a trusted advisor to your clients — this role is for you.
Requirements
- 3–5+ years of experience in commercial lending, credit analysis, or business banking
- Strong knowledge of financial statement analysis, cash flow, and credit structuring
- Experience with loan origination systems and financial analysis tools preferred
Nice To Haves
- You’re a natural relationship builder who enjoys being active in the community
- You think like a business partner, not just a lender
- You’re confident analyzing financials and structuring deals
- You balance growth with strong credit discipline
- You thrive in a fast-paced, goal-oriented environment
- Passionate about beer is a plus!
Responsibilities
- Generate new commercial lending opportunities through networking, referrals, and community involvement
- Build strong relationships with business members, prospects, and key partners (CPAs, attorneys, brokers, etc.)
- Identify and develop deposit and treasury relationships alongside lending opportunities
- Represent the Credit Union at community and industry events
- Evaluate borrower financials, creditworthiness, and repayment capacity
- Structure loan terms and make sound credit decisions within authority
- Prepare and present loan packages, including financial analysis and risk assessments
- Coordinate loan documentation and ensure efficient, timely closings
- Maintain a high-quality commercial loan portfolio (typically under $10MM in relationships)
- Monitor financial performance, including statements, tax returns, and cash flow
- Proactively identify and mitigate credit risk
- Ensure compliance with loan covenants and reporting requirements
- Act as a trusted advisor to business members, providing tailored financial solutions
- Build long-term relationships that support member success and loyalty
- Assist with problem loan resolution and risk mitigation strategies
- Ensure compliance with all applicable regulations (BSA, OFAC, USA PATRIOT Act)
- Maintain accurate and complete loan documentation
Benefits
- Be part of a growing, community-focused organization
- Opportunity to build your own portfolio and market presence
- Collaborative, team-oriented culture
- Ability to make a meaningful impact on local businesses
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
