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Commercial Loan Officer IV

Vancouver, WA 98683

Industry: Operations/Administrative Job Number: 74258

Job Description

Opti Staffing Presents 
Commercial Loan Officer IV
Vancouver, WA


This position handles the largest and most complex loans and is responsible for the soliciting of new commercial account relationships which includes loans, deposits and other products that provide fee income to the Bank. Officer will also manage a portfolio of over $40MM in loans.


  • Develop prospect list and a calling program to solicit new business relationships.

  • Underwrite financial packages provided to determine if loan requests meet Bank credit policy.

  • Work closely with Credit Analysts and Portfolio Managers to prepare and present a Credit Memorandum to appropriate approval level for new loan request.

  • Negotiates terms and approval conditions with prospective borrower.

  • Work closely with Portfolio Managers to manage existing loan portfolio ensuring risk ratings are appropriate; financial information is current; loan covenants are monitored and loan payment delinquencies are minimal.

  • Ensures timely and thorough monitoring of all credits through use of management reports such as Out of Compliance Report; Term Loan Review Report; Delinquency Report and Maturing Loan Report.

  • Understands and observes all laws and regulations that relate to commercial lending.

Additional duties and responsibilities:

  • Projects professionalism in both appearance and attitude when dealing with customers in order to present a positive image.

  • Coordinate when necessary with other departments.

  • Participates in and completes all required training modules with passing scores.

  • Follows all state and federal laws, and all Riverview policies and procedures.

  • Work with Portfolio Manager (PM) and Commercial Loan Assistant (CLA) in managing the relationship portfolio and provide mentoring and guidance to the PM and CLA to improve their career path trajectories.

  • Other duties may be assigned.


  • Maintain strong working relationship with Commercial Loan Team Leader, peers in the lending area, retail banking and other support areas to build a team effort.

  • Maintain close contact with customers to ensure that service levels are appropriate and seek new loan opportunities.


Bachelor's degree; business, finance or related field preferred, seven or more years of commercial lending experience, strong credit and analytical skills, excellent communication and sales skills, and knowledge of bank services; or equivalent combination of education and experience.


  • Ability to communicate with borrowers and build strong relationships.

  • Ability to read, analyze, and interpret credit related journals, bank lending policy, or governmental regulations. 

  • Ability to write concise credit memorandums and other business correspondence. 

  • Ability to effectively present loan proposals and respond to questions from managers, loan committees and clients in a professional manner.

  • Ability to work with mathematical and financial concepts such as Global Cash flow and other financial ratios that indicate the strength of a business or individual who borrows for business purposes.

  • Ability to resolve day to day problems and deal with a variety of issues that may arise in working with borrowers with minimal supervision. 

  • Ability to understand loan structure that protects the bank and increases probability of borrower repaying loan is essential.

  • Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

  • Ability to define problems, collect data, establish facts, and draw valid conclusions. 

  • Intermediate computer and keyboarding skills.

  • Basic skills associated with the general use of business office equipment.

If you’re interested in applying for this truly wonderful opportunity, please send your resume to Simi Gill at [email protected] to secure your interview today!  Or just call me directly at 360.553.7218 to setup your interview immediately!

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About Vancouver, WA

Ready to embark on a career adventure in the vibrant job market around Vancouver, Washington? Known for its stunning natural beauty with close proximity to the majestic Columbia River Gorge and the lush Mount St. Helens, Vancouver boasts a perfect blend of urban amenities and outdoor recreation. Dive into the local culture by exploring the Fort Vancouver National Historic Site or catching a performance at the Clark County Historical Museum. With a thriving food scene offering a mix of Pacific Northwest flavors and global cuisines, along with a range of art galleries, theaters, and the gorgeous Esther Short Park in the heart of downtown, Vancouver, WA is the ideal place to grow both personally and professionally. Explore our job opportunities now and make your next career move in this enchanting region!