Commercial Loan Officer Jobs

About The Position

Requirements

• Bachelor’s degree in Finance, Accounting, Business Administration, Real Estate, Economics, or related field preferred.
• Minimum of at least seven (7) years of experience in commercial real estate lending, credit analysis, portfolio management, or a related financial service role.
• Minimum of five (5) years of experience independently originating, structuring, and managing commercial real estate lending relationships.
• Demonstrated success managing large and highly complex commercial real estate relationships, developing referral networks, and achieving business development and portfolio growth objectives.
• Demonstrated experience negotiating and structuring complex commercial real estate transactions involving multiple entities, guarantors, ownership structures, and financing arrangements.
• Strong knowledge of commercial real estate lending principles, practices, structures, and portfolio management strategies.
• Advanced ability to analyze property cash flow, rent rolls, leases, real estate market trends, sponsor liquidity, contingent liabilities, and overall transaction viability.
• Ability to assess complex ownership structures, guarantor relationships, collateral positions, borrower strength, and portfolio risk.
• Ability to identify and mitigate transaction and portfolio risks while ensuring compliance with lending policies, credit standards, and regulatory requirements.
• Professional written, verbal, problem-solving, and interpersonal communication skills.
• Ability to produce quality work within tight time frames while managing multiple assignments and changing deadlines.
• Strong work ethic, sound prioritization skills, adaptability, and the desire to work as part of a team to support the overall success of the Credit Union.

Nice To Haves

• Formal credit training.
• Established network of commercial real estate investors, developers, brokers, and referral partners within the market.
• Experience managing commercial real estate relationships exceeding $10MM and complex relationships involving multiple entities and sponsors.
• Experience managing tight timelines and working with multiple departments to ensure deadlines are reached.
• Experience working with outside counsel for loan documents on larger transactions.
• Demonstrated history of significant commercial real estate loan production and portfolio growth.
• Experience managing large, highly complex commercial real estate relationships involving sophisticated ownership structures, development projects, and multiple borrowing entities.
• Established reputation within the commercial real estate community and a strong network of investors, developers, brokers, attorneys, CPAs, and referral partners.

Responsibilities

• Develop and maintain strategic relationships with commercial real estate investors, developers, sponsors, business owners, brokers, attorneys, CPAs, and other centers of influence that generate significant lending opportunities and portfolio growth.
• Proactively identify and pursue commercial real estate lending opportunities through networking, industry involvement, business development activities, referral partner development, and market leadership initiatives.
• Consistently achieve or exceed established production, portfolio growth, and relationship development goals.
• Serve as a trusted advisor to commercial real estate investors, developers, sponsors, and business owners by providing sophisticated financing solutions and strategic financial guidance.
• Independently manage the largest, most complex, and most strategically significant commercial real estate relationships within the portfolio.
• Analyze, structure, negotiate, and manage highly complex commercial real estate credit facilities, including acquisition, refinance, construction, development, bridge, participation, syndication, and permanent financing transactions.
• Lead the structuring and negotiation of complex commercial real estate transactions involving multiple borrower entities, guarantors, collateral structures, ownership groups, and financing arrangements.
• Review and analyze borrower and guarantor financial statements, tax returns, property operating statements, rent rolls, appraisals, project budgets, market data, and other supporting documentation to assess creditworthiness and transaction viability.
• Assess highly complex credit relationships and develop financing recommendations that appropriately balance member needs, portfolio objectives, profitability goals, and risk management requirements.
• Prepare, present, and defend credit recommendations and loan structures through the approval process while serving as a subject matter expert on complex commercial real estate transactions.
• Order, review, and evaluate appraisals, environmental reports, valuations, surveys, title reports, and other third-party due diligence materials in accordance with regulatory requirements and Credit Union policy.
• Conduct property inspections and assess collateral quality to support underwriting, portfolio management, and risk management activities.
• Coordinate with underwriting, credit administration, loan operations, legal counsel, appraisers, environmental consultants, title companies, and other third-party professionals to facilitate the successful execution of complex loan transactions.
• Represent Arizona Financial Credit Union in loan negotiations, documentation processes, and loan closings involving sophisticated borrowers and complex financing structures.
• Review loan documentation to ensure consistency with approved loan terms, proper collateral perfection, lien position, and compliance with approval requirements.
• Manage and maintain an assigned portfolio of commercial real estate relationships to ensure strong asset quality, regulatory compliance, member satisfaction, and portfolio performance.
• Monitor assigned relationships through annual reviews, covenant compliance, risk rating maintenance, financial analysis, financial spreads, and ongoing portfolio surveillance activities.
• Identify opportunities to deepen member relationships through deposits, treasury management services, insurance products, residential lending, investment services, and other Arizona Financial Credit Union solutions.
• Provide formal coaching, mentorship, and technical guidance to Commercial Real Estate Loan Officers, credit analysts, underwriters, and portfolio management staff while supporting the development of lending talent across the organization.
• Serve as a resource and subject matter expert for complex commercial real estate lending matters, transaction structuring, portfolio management, and business development strategies.
• Assist lending leadership in evaluating market opportunities, portfolio trends, product offerings, and business development initiatives that support strategic growth objectives.
• Participate in community organizations, industry associations, civic events, and professional groups to strengthen Arizona Financial Credit Union's presence within the commercial real estate market.
• Represent Arizona Financial Credit Union as a senior commercial lending leader through industry involvement, professional organizations, and key market relationships.
• Maintain current knowledge of commercial real estate lending practices, market conditions, emerging industry trends, regulatory requirements, and Credit Union policies.
• Perform other duties and special projects as assigned.