Commercial Loan Officer

Commercial Loan OfficerAn experienced Commercial Loan Officer is needed to join a dynamic lending team in Fort Collins, Colorado. This is an excellent opportunity for a motivated financial professional to make a meaningful impact by helping local businesses secure the funding they need to grow, expand, and thrive. Fort Collins is one of Colorado's fastest-growing cities, with a vibrant entrepreneurial community, a robust small business ecosystem, and a diverse economic landscape that spans technology, agriculture, manufacturing, and retail sectors.

As a Commercial Loan Officer, you will play a central role in supporting that economic vitality by building lasting relationships with business owners, understanding their unique financial needs, and structuring loan solutions that align with both client goals and organizational lending standards. This position offers significant career advancement potential for professionals who are passionate about commercial lending, community development, and financial service excellence. You will work alongside experienced underwriters, credit analysts, and relationship managers in a collaborative, fast-paced environment that rewards initiative, expertise, and exceptional client service.Core ResponsibilitiesDevelop and manage a portfolio of commercial loan clients, including small businesses, mid-sized companies, and real estate investorsSolicit new commercial lending business through networking, referrals, community involvement, and cold outreach strategiesConduct detailed financial analysis of business clients, including review of tax returns, balance sheets, cash flow statements, and profit and loss reportsStructure, underwrite, and present commercial loan packages that meet credit policy guidelines and client financing objectivesCollaborate with internal credit teams to ensure loan submissions are complete, accurate, and well-supported with appropriate documentationMonitor existing loan portfolio performance, identifying early warning signs of credit deterioration and taking proactive steps to mitigate riskMaintain current knowledge of commercial lending regulations, compliance requirements, and industry best practicesRepresent the organization at local business events, chamber of commerce functions, and community gatherings to promote lending servicesProvide exceptional client service throughout the loan origination process, maintaining clear communication from application through closingMust-Have RequirementsMinimum of three years of experience in commercial lending, business banking, or a closely related financial services roleDemonstrated ability to analyze complex financial statements and assess business creditworthiness accuratelyStrong understanding of commercial real estate, business term loans, lines of credit, and SBA lending programsExcellent interpersonal and communication skills, with the ability to build trust with diverse business clientsProficiency with loan origination software and standard financial analysis toolsBachelor's degree in Finance, Business Administration, Economics, or a related field preferredValid driver's license and ability to travel locally within the Fort Collins and northern Colorado region as neededJoining this lending team means accessing a comprehensive and competitive benefits package designed to support your professional success and personal well-being.

Team members enjoy full medical, dental, and vision insurance coverage with multiple plan options to fit varying individual and family needs. A generous retirement savings plan with employer matching contributions helps build long-term financial security. Employees receive paid time off, including vacation days, sick leave, and observed holidays, ensuring a healthy work-life balance throughout the year.

Professional development support includes reimbursement for continuing education, industry certifications, and relevant training programs. Additional perks include flexible scheduling options, an employee wellness program, life insurance coverage, and disability benefits. Performance-based incentive compensation is available, rewarding strong portfolio growth and exceptional client service outcomes.