Commercial Banking Associate Jobs
Commercial Banking Associate jobs are open across regional banks, national financial institutions, and credit unions, from analyst-level to senior associate, with specializations in credit analysis, loan structuring, and relationship management. Scan the live roles below and apply to whichever ones fit.
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Showing 5 of 348+ Commercial Banking Associate jobs
About Northwest Bank
Northwest Bank serves the business and professional communities of Idaho, Oregon, Utah, and Washington. We were founded in 2008 on the idea that experience and exceptional service matter and should be expected, and that banks should be strong partners with their customers in finding creative financial solutions that work.
To achieve that goal, we need great Relationship Managers on our team. People who share that vision and our values, who know their customers and work hard for their benefit, and lead the whole team to deliver successful financial solutions.
Job Overview
The Relationship Manager (RM) leads the development and maintenance of a loan portfolio, leveraging deep banking experience to ensure customer satisfaction. They are a master at identifying customer needs, analyzing financial data, and creating original financial solutions meeting the client’s goals. They create new business by developing trusted customer relationships which nurture referrals, and engaging persistently in business development. They are a team leader, working across internal organizations to help others perform their role effectively and to the client’s benefit.
Benefits
- Competitive Compensation Package
- Medical, Dental, and Vision
- Health Savings Account (HSA)
- Flexible Spending Accounts (FSA)
- 401(k) plan with company match
- Generous PTO & Holidays
Essential Duties & Responsibilities
Being a Relationship Manager means providing the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s mission, vision, core values and customer service standards.
Do you have the experience and know-how to creatively develop and expand customer relationships?
- Take the time to understand the client’s business, industry and leadership
- Clearly identify financial outcomes that enhance the client’s success
- Develop financial solutions that are creative, sound and effective.
- Ensure every deal is executed with high quality, quickly and fairly:
- Interview potential clients and accept credit applications
- Review applications and credit histories
- Review and analyze credit reports and financial information
- Evaluate existing and projected company cash flow
- Determine value of collateral; review independent appraisal reports
- Approve or reject credit applications within bank standards
- Prepare detailed loan presentations on new credit applications
- Monitor loan documentation and processing
- Frequently engage with customers, persistently assess client needs and offer solutions
- Identify potential gaps in service and products, and communicate internally to identify opportunities for growth as well as competitive differentiation
- Communicate with bank management about overall portfolio health, opportunity for growth, retention risks
- Follow through on agreements by monitoring loans through periodic reviews and documentation
- Review maturing loans, loan extensions and construction draws
- Resolve customer payment issues
- Properly maintain credit files including file memos updating the status of the client relationship
- Work proactively and independently to develop new sources of businesses
- Leverage market insight to target and engage potential customers
- Respond to inquiries regarding business and consumer credit and deposit products
- Effectively represent Northwest Bank products and solutions.
Minimum Qualifications
- Relevant undergraduate degree or equivalent experience
- Minimum 5 years of experience in commercial lending
- Proven business development skills
- Thorough knowledge of credit services and other banking services
- Thorough knowledge of lending policies and procedures
- Thorough knowledge of business cash flow
- Computer skills including Windows-based software, word processing and spreadsheet applications, internet usage, electronic mail, and bank software
- Effective oral and written communication skills
About Northwest Bank
Northwest Bank serves the business and professional communities of Idaho, Oregon, Utah, and Washington. We were founded in 2008 on the idea that experience and exceptional service matter and should be expected, and that banks should be strong partners with their customers in finding creative financial solutions that work.
To achieve that goal, we need great Relationship Managers on our team. People who share that vision and our values, who know their customers and work hard for their benefit, and lead the whole team to deliver successful financial solutions.
Job Overview
The Relationship Manager (RM) leads the development and maintenance of a loan portfolio, leveraging deep banking experience to ensure customer satisfaction. They are a master at identifying customer needs, analyzing financial data, and creating original financial solutions meeting the client’s goals. They create new business by developing trusted customer relationships which nurture referrals, and engaging persistently in business development. They are a team leader, working across internal organizations to help others perform their role effectively and to the client’s benefit.
Benefits
- Competitive Compensation Package
- Medical, Dental, and Vision
- Health Savings Account (HSA)
- Flexible Spending Accounts (FSA)
- 401(k) plan with company match
- Generous PTO & Holidays
Essential Duties & Responsibilities
Being a Relationship Manager means providing the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s mission, vision, core values and customer service standards.
Do you have the experience and know-how to creatively develop and expand customer relationships?
- Take the time to understand the client’s business, industry and leadership
- Clearly identify financial outcomes that enhance the client’s success
- Develop financial solutions that are creative, sound and effective.
- Ensure every deal is executed with high quality, quickly and fairly:
- Interview potential clients and accept credit applications
- Review applications and credit histories
- Review and analyze credit reports and financial information
- Evaluate existing and projected company cash flow
- Determine value of collateral; review independent appraisal reports
- Approve or reject credit applications within bank standards
- Prepare detailed loan presentations on new credit applications
- Monitor loan documentation and processing
- Frequently engage with customers, persistently assess client needs and offer solutions
- Identify potential gaps in service and products, and communicate internally to identify opportunities for growth as well as competitive differentiation
- Communicate with bank management about overall portfolio health, opportunity for growth, retention risks
- Follow through on agreements by monitoring loans through periodic reviews and documentation
- Review maturing loans, loan extensions and construction draws
- Resolve customer payment issues
- Properly maintain credit files including file memos updating the status of the client relationship
- Work proactively and independently to develop new sources of businesses
- Leverage market insight to target and engage potential customers
- Respond to inquiries regarding business and consumer credit and deposit products
- Effectively represent Northwest Bank products and solutions.
Minimum Qualifications
- Relevant undergraduate degree or equivalent experience
- Minimum 5 years of experience in commercial lending
- Proven business development skills
- Thorough knowledge of credit services and other banking services
- Thorough knowledge of lending policies and procedures
- Thorough knowledge of business cash flow
- Computer skills including Windows-based software, word processing and spreadsheet applications, internet usage, electronic mail, and bank software
- Effective oral and written communication skills
Commercial Banking Associate Jobs by Experience Level
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Find JobsCommercial Banking Associate Job Market
Who's Hiring
- JPMorganChase34
- Western Alliance Bank21
- Northwest Bank18
- Wells Fargo15
- Valley Bank10
Top Industries Hiring
- Banking & Financial Services35
- Fintech3
- Technology & Software3
- Investment & Asset Management1
What Employers Look For
The qualifications that appear most often in commercial banking associate jobs.
- Bachelor's degree in finance, accounting, economics, or a related field
- Experience spreading financial statements and building credit models in Excel
- Familiarity with commercial loan documentation and underwriting guidelines
- Strong written communication skills for credit memos and client correspondence
- CFA candidacy or progress toward a CFA or CPA designation preferred
- Proficiency with banking platforms and core lending software systems
Tips for Your Commercial Banking Associate Job Search
Tailor your resume to credit underwriting
Commercial banking associate roles weight credit analysis heavily. Reframe your experience around financial statement spreading, risk rating, and loan structuring rather than generic finance tasks. Hiring managers scan for evidence you can underwrite, not just analyze.
Apply early to roles that fit
Migrate Mate lists commercial banking associate openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Target your search by portfolio type
Filter openings by the loan book you want, whether middle-market, small business, or real estate. Your target portfolio type should appear on your resume and cover letter so the hiring team immediately sees alignment with the book they manage.
Prepare a worked credit write-up sample
Many interview processes include a credit memo exercise. Bring a sanitized credit write-up you drafted previously, or practice one using a public company's financials so you can walk through your analysis structure under interview conditions.
Negotiate by citing comparable offer structure
Base salary at this level often has less flex than signing bonuses or professional development stipends. When negotiating, ask specifically about CFA exam reimbursement, loan portfolio access for training, and bonus structure tied to portfolio growth rather than pushing only on base.
Follow up referencing the specific deal type
After an interview, send a follow-up note that names the loan type or industry vertical discussed, not a generic thank-you. Referencing the exact credit scenario from your conversation signals genuine interest in the portfolio and reinforces your technical fit.
Commercial Banking Associate Jobs: Frequently Asked Questions
Which companies are hiring the most commercial banking associates?
The companies hiring the most commercial banking associates right now include JPMorganChase, Western Alliance Bank, and Northwest Bank, with the largest share of openings in California, Texas, and New York, based on current listings on Migrate Mate as of November 2026. Regional and community banks consistently account for a large share of active postings alongside national institutions.
How many commercial banking associate jobs are remote?
About 47% of commercial banking associate openings are fully remote or hybrid as of November 2026, reflecting the relationship-driven nature of commercial lending. Credit analysis and loan monitoring roles tend to have the most flexibility, while client-facing relationship management positions are more frequently in-office or require regular client travel.
How do you become a commercial banking associate?
Start by earning a bachelor's degree in finance, accounting, or economics, then build credit analysis skills through internships, banking analyst programs, or roles in audit or accounting. Getting comfortable with financial statement spreading and loan structuring is essential. Pursuing a CFA or completing a formal bank credit training program accelerates your path into associate-level roles.
Can you get a commercial banking associate job with little experience?
Yes, some community banks and regional institutions hire candidates directly from undergraduate programs into rotational or junior associate roles. Focus on demonstrating credit fundamentals through coursework, case competitions, or self-directed analysis of public companies. A strong internship in commercial lending, corporate banking, or credit underwriting is the most direct entry point without prior full-time experience.
What does the commercial banking associate interview process look like?
Most processes involve an initial phone screen with HR, followed by one or two rounds with the credit team or relationship managers. Expect a technical portion covering financial statement analysis, loan structuring scenarios, and credit risk assessment. Some employers include a written credit exercise or case study. Final rounds often involve senior bankers evaluating your client communication and business development potential.
Where can I find and apply to commercial banking associate jobs?
You can find and apply to commercial banking associate jobs on Migrate Mate, which lists current openings from across the United States. Search the roles available, find the ones that match your background and target portfolio type, and apply directly to each listing that fits.
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