NAC is expanding our team Commercial Lenders.  We are seeking strong, entrepreneurial, purpose-driven men and women to expand our market reach across the country.  Candidates must be proven, self-motivated business development professionals or deal-makers that are ready to take advantage of the opportunities offered by a growing firm in a growing economy.  Prior experience in finance, private equity, asset-based lending, or government guaranteed lending and a general understanding of financial statements preferred.

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JOB DESCRIPTION :: COMMERCIAL LENDER

JOB TITLE: Commercial Lender
CATEGORY: Full-Time, Salary + Commission
LOCATION: Various Markets
REPORTING TO: President

Key Skill Requirements

The skills necessary to be successful as a Commercial Lender include, but are not limited to:

  • Strong written and verbal communication skills
  • Self-motivated and driven
  • Commitment to listening and seeking to understand the needs of the customer
  • Ability to learn new things quickly with attention to detail
  • Excels in a team environment with a focus on supporting the mission of the firm
  • Comfortable reviewing, understanding, and analyzing financial statements

Job Summary

At NAC, a Commercial Lender is responsible for identifying, cultivating relationships with, and closing loans for borrowers. Whether through cold calling or pursuing referrals and warm leads, a Commercial Lender must develop a pipeline of deals that support the revenue goals of his/her territory and the organization as a whole.

In addition to developing deal flow, a Commercial Lender must be an excellent communicator, disciplined with managing their time, and thorough in their attention to detail. Analyzing and understanding financial statements is a critical part of determining the quality of a project, so a Commercial Lender must be a quick study and/or have experience in reviewing and assessing Balance Sheets, Cash Flow Statements, etc.

A Commercial Lender reports directly to and is expected to maintain consistent interactions with the President to report progress, ask questions, receive feedback, etc.

Job Responsibilities

Develop pipeline of new loans with the following quantitative and qualitative objectives:

  • Total Loan Originations: $15,000,000
  • USDA Guarantee Percentage (Average): 75%
  • Default Rate (Based on Loan Amount): 1.5%

Effectively engage with the Credit and Operations teams to assist in gathering the needed documents and materials to successfully underwrite loans.

Understand, professional negotiate, and accurately communicate loan terms to borrowers in order to ensure alignment and a mutually beneficial deal.

In addition to developing deal flow, a Commercial Lender must be an excellent communicator, disciplined with managing their time, and thorough in their attention to detail.

Analyzing and understanding financial statements is a critical part of determining the quality of a project, so a Commercial Lender must be a quick study and/or have experience in reviewing and assessing a company’s Balance Sheet, Statement of Cash Flow, etc.

Education & Experience

Undergraduate degree in Finance, Accounting, or Business Administration; a graduate degree or MBA is preferred.
Two (2) years of mortgage business, lending, financial business development experience or applicable education within the immediately preceding five (5) years preferred.