Location: Fresno, CA
Job Type: Full-time
Reports To: Senior Commercial Lender/Loan Officer

Job Summary:

We are seeking a motivated Junior Commercial Lender to join our team in Fresno, CA. In this entry-level role, you will assist in originating, underwriting, and managing commercial loans. You will collaborate with senior lenders to offer financing solutions to businesses in the Fresno area, with a focus on customer service, credit analysis, and loan documentation.

Key Responsibilities:

• Loan Origination Support:

  • Assist senior lenders in originating commercial loans by gathering financial information, reviewing loan applications, and assessing clients' creditworthiness.
  • Communicate with local business owners in Fresno and surrounding areas to collect necessary documents and data for loan applications.

• Underwriting and Credit Analysis:

  • Help evaluate the financial stability and creditworthiness of potential clients by analyzing financial statements and business plans.
  • Assist with preparing credit proposals and ensuring they meet regulatory and internal lending standards.

• Client Relationship Management:

  • Foster strong relationships with new and existing commercial clients in the Fresno area, ensuring customer satisfaction and retention.
  • Address customer inquiries and provide updates on loan progress and documentation.

• Loan Documentation and Compliance:

  • Ensure that loan documents are complete, accurate, and compliant with state and federal regulations, as well as bank policies.
  • Assist in monitoring loan performance and ensuring clients adhere to loan terms.

• Market Research and Reporting:

  • Conduct market research to understand local industry trends and potential business opportunities in Fresno and Central California.
  • Help prepare reports on loan portfolio performance and local market conditions for senior management.

• Cross-Functional Collaboration:

  • Work with credit, risk, legal, and operations departments to ensure smooth loan processing and approval.

Qualifications:

• Education:

  • Bachelor’s degree in Finance, Business Administration, Economics, or a related field.

• Experience:

  • Prior experience in banking or finance, especially in commercial lending, is a plus (internships or prior positions are beneficial).
  • Familiarity with financial statements, credit analysis, and the regulatory environment is a plus.

• Skills:

  • Strong analytical and problem-solving abilities.
  • Excellent communication and interpersonal skills to engage effectively with clients and team members.
  • Detail-oriented with the ability to maintain accurate documentation and compliance.
  • Proficient in Microsoft Office Suite (Excel, Word, PowerPoint).

• Personal Attributes:

  • Strong desire to learn and grow in the commercial lending field.
  • Ability to work independently and as part of a team.
  • Customer-focused with strong relationship-building skills.

Work Environment:

• Office-based in Fresno, CA, with occasional travel for client meetings and site visits within the Central Valley region.