Location: Denton, TX
Compensation: $120,000–$150,000 (commensurate with experience)

Position Summary
The Commercial Lender is responsible for developing, managing, and growing a profitable commercial loan portfolio while delivering exceptional financial solutions to business clients throughout the Denton and North Texas markets. This role serves as a trusted advisor to middle-market and small business customers, providing credit expertise, relationship management, and strategic insight across a broad range of lending products, including C&I, owner-occupied and investor real estate, construction, and working capital facilities. The ideal candidate blends strong credit acumen with a polished, consultative sales approach and a deep understanding of local market dynamics.

Key Responsibilities

• Originate, structure, underwrite, and close commercial loan transactions in accordance with bank credit policy, regulatory requirements, and sound risk management practices.

• Develop and maintain long-term relationships with business owners, CFOs, CPAs, attorneys, and commercial real estate professionals to drive new business opportunities and portfolio growth.

• Analyze financial statements, cash flow, collateral, and industry trends to assess creditworthiness and recommend appropriate loan structures and terms.

• Prepare comprehensive credit memoranda and present loan requests to senior management and loan committees with clear risk assessments and well-supported recommendations.

• Proactively manage an assigned loan portfolio, including annual reviews, covenant monitoring, credit renewals, and early identification of potential credit issues.

• Partner with Treasury Management, Private Banking, and other internal teams to deliver integrated financial solutions that deepen client relationships and increase wallet share.

• Ensure compliance with all applicable banking regulations, internal policies, and documentation standards.

• Represent the bank in community and business development activities, enhancing brand visibility and market presence in Denton and surrounding areas.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field; MBA or formal credit training preferred.

• 5+ years of experience in commercial lending, credit analysis, or relationship management within a bank or financial institution.

• Demonstrated success in building and managing a commercial loan portfolio with a strong track record of new business development.

• Advanced knowledge of commercial credit, financial statement analysis, cash flow modeling, and loan structuring.

• Excellent communication, presentation, and negotiation skills with the ability to interact confidently with business owners and senior executives.

• Strong organizational skills and the ability to manage multiple priorities in a fast-paced, relationship-driven environment.

• Familiarity with the Denton / North Texas market and local business community is highly desirable.

Why This Opportunity
This role offers the chance to step into a visible, growth-oriented position within a stable and well-capitalized financial institution. The Commercial Lender will play a key role in expanding market share, shaping client relationships, and contributing to the long-term success of the bank’s commercial platform in Denton, TX. The compensation range of $120,000–$150,000 reflects the seniority and impact of the position, with additional performance-based incentives and a comprehensive benefits package.