VP, Commercial Loan Officer

DFCU Financial•Orlando, FL

About The Position

The VP, Commercial Loan Officer is responsible for proactively developing new deposit and lending business, building client relationships, and managing an existing commercial portfolio. The role provides tailored financial guidance and lending solutions, connects clients with business banking services, and supports local businesses through community involvement. It also analyzes and underwrites credit requests, monitors portfolio health, collaborates with internal teams, and ensures compliance with policies and regulatory requirements.

Requirements

Bachelor's degree in business, finance, or a related field.
Seven years of lending or sales experience in the financial services industry.
Three to five years of commercial lending and credit underwriting experience.
Demonstrated high performance in sales goal attainment.
Demonstrated community involvement.
High level of accuracy and attention to detail.
Proficiency in Microsoft 365.
Demonstrated analytical and problem-solving skills.
Ability to initiate and embrace change.
Excellent written and verbal communication and interpersonal skills.
Ability to work in a team environment.

Responsibilities

Proactively identify and develop new business banking relationships, focusing on deposit and lending growth.
Grow and manage a portfolio of commercial clients and provide tailored financial guidance and lending solutions.
Connect clients with lending, deposit, Treasury Management, and SBA services.
Build relationships with business owners, centers of influence, and professional networks to generate referrals.
Represent DFCU in the community and support local businesses.
Analyze and underwrite credit requests in accordance with DFCU policies and risk appetite.
Monitor loan covenants, past-due accounts, renewal timelines, annual reviews, and client retention to maintain portfolio health and mitigate risk.
Collaborate with Business Banking Assistants, Loan Documentation teams, and other internal partners to streamline processing and improve client experience.
Work with Retail, Treasury, and Lending teams on joint calling efforts and holistic financial solutions.
Prepare detailed call plans and post-call reviews that turn client goals into actionable next steps.
Stay informed about market trends, industry shifts, and client opportunities.
Comply with internal policies, credit standards, and regulatory requirements.
Complete required professional development and compliance training.