Commercial Loan Specialist Jobs
Commercial Loan Specialist jobs are open across banking, credit unions, community development financial institutions, and commercial finance companies, at every level from entry-level analyst to senior relationship manager, with specializations in SBA lending, commercial real estate, and business credit underwriting. Find a role that fits below and apply directly.
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River Run is a shared services organization that supports banking affiliates, Newburyport Bank, Pentucket Bank and Rollstone Bank & Trust.
The Sr. Commercial Loan Quality Control Specialist ensures the accuracy and compliance of commercial loan documentation by performing thorough quality control reviews of all legal and supporting documents for both internally prepared and outside counsel prepared loan documents. Identifies errors, missing documents, and potential trends that may indicate training needs, while maintaining up-to-date checklists in alignment with current loan parameters and regulatory requirements to support consistent, high-quality loan file management. Serves as a senior resource for complex documentation questions, knowledge sharing, and cross-functional support.
- Performs quality control review on all legal and supporting documentation for new commercial loan originations to ensure compliance with local and federal regulations.
- Prepares biweekly reporting of errors and missing documents to ensure complete and accurate loan files and identify trends indicative of training needs.
- Collaborates with CLA staff, Loan Officers, and other stakeholders to facilitate the prompt correction of documentation exceptions and ensure complete and accurate loan files.
- Exercises independent judgment in evaluating complex documentation exceptions, recommends corrective actions, and escalates significant or unresolved issues to the CLA Manager.
- Provides mentoring, onboarding support, and technical guidance to additional QC specialists as the team grows, promoting consistent review practices and knowledge sharing without formal supervisory responsibility.
- Participates in cross-training to develop skills needed to assist CLA staff with selected loan administration tasks as assigned by management, while maintaining appropriate separation between loan preparation and independent quality control review.
- Maintains current and accurate quality control checklists to ensure checklists are up to date with current loan parameters and regulatory requirements.
- Supports the CLA Manager in the ongoing development and enhancement of the quality control function.
- Obtains and documents annual CIP attestations from Lead Banks for participated loans in accordance with regulatory requirements and internal compliance procedures.
- Identifies trends, control gaps, training needs, and remediation opportunities to enhance operational effectiveness and compliance.
- Supports internal and external audits, examinations, and compliance reviews by providing requested loan documentation and records.
- Actively stays current on all Bank products, services, procedures, policies, and applicable regulatory and compliance requirements by regularly attending team meetings, completing mandatory training on schedule, and applying knowledge to ensure accuracy and compliance in daily operations.
- Ensures adherence to federal and state laws, regulations, and bank policies by preventing violations, minimizing risks, and safeguarding the Bank’s interests.
- Verifies transactions and account balances, ensuring compliance with bank policies and state and federal regulations and the Bank Secrecy Act (BSA), as applicable to the role.
- High school diploma.
- Minimum 5 years’ experience in a professional office environment within a lending-related function with a focus on closing or post-closing commercial loan files.
- Experience with real estate loans preferred.
- Basic knowledge of word processing, spreadsheet, and other office applications.
- Strong customer service skills.
- Attention to detail.
- Ability to work successfully both independently and as a member of a team.
River Run Services, LLC is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, ancestry, national origin, gender, sexual orientation, marital status, religion, age, disability, gender identity, results of genetic testing or service in the military.
If you are an individual with a disability and require a reasonable accommodation to complete the application process, you may contact Human Resources at hr@riverrun.com or call 978-462-3136.
The salary range represents an estimate based on market data for this position. Final compensation decisions are made based on experience, skills, and internal equity to ensure fairness and consistency across our organization.
River Run is a shared services organization that supports banking affiliates, Newburyport Bank, Pentucket Bank and Rollstone Bank & Trust.
The Sr. Commercial Loan Quality Control Specialist ensures the accuracy and compliance of commercial loan documentation by performing thorough quality control reviews of all legal and supporting documents for both internally prepared and outside counsel prepared loan documents. Identifies errors, missing documents, and potential trends that may indicate training needs, while maintaining up-to-date checklists in alignment with current loan parameters and regulatory requirements to support consistent, high-quality loan file management. Serves as a senior resource for complex documentation questions, knowledge sharing, and cross-functional support.
- Performs quality control review on all legal and supporting documentation for new commercial loan originations to ensure compliance with local and federal regulations.
- Prepares biweekly reporting of errors and missing documents to ensure complete and accurate loan files and identify trends indicative of training needs.
- Collaborates with CLA staff, Loan Officers, and other stakeholders to facilitate the prompt correction of documentation exceptions and ensure complete and accurate loan files.
- Exercises independent judgment in evaluating complex documentation exceptions, recommends corrective actions, and escalates significant or unresolved issues to the CLA Manager.
- Provides mentoring, onboarding support, and technical guidance to additional QC specialists as the team grows, promoting consistent review practices and knowledge sharing without formal supervisory responsibility.
- Participates in cross-training to develop skills needed to assist CLA staff with selected loan administration tasks as assigned by management, while maintaining appropriate separation between loan preparation and independent quality control review.
- Maintains current and accurate quality control checklists to ensure checklists are up to date with current loan parameters and regulatory requirements.
- Supports the CLA Manager in the ongoing development and enhancement of the quality control function.
- Obtains and documents annual CIP attestations from Lead Banks for participated loans in accordance with regulatory requirements and internal compliance procedures.
- Identifies trends, control gaps, training needs, and remediation opportunities to enhance operational effectiveness and compliance.
- Supports internal and external audits, examinations, and compliance reviews by providing requested loan documentation and records.
- Actively stays current on all Bank products, services, procedures, policies, and applicable regulatory and compliance requirements by regularly attending team meetings, completing mandatory training on schedule, and applying knowledge to ensure accuracy and compliance in daily operations.
- Ensures adherence to federal and state laws, regulations, and bank policies by preventing violations, minimizing risks, and safeguarding the Bank’s interests.
- Verifies transactions and account balances, ensuring compliance with bank policies and state and federal regulations and the Bank Secrecy Act (BSA), as applicable to the role.
- High school diploma.
- Minimum 5 years’ experience in a professional office environment within a lending-related function with a focus on closing or post-closing commercial loan files.
- Experience with real estate loans preferred.
- Basic knowledge of word processing, spreadsheet, and other office applications.
- Strong customer service skills.
- Attention to detail.
- Ability to work successfully both independently and as a member of a team.
River Run Services, LLC is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, ancestry, national origin, gender, sexual orientation, marital status, religion, age, disability, gender identity, results of genetic testing or service in the military.
If you are an individual with a disability and require a reasonable accommodation to complete the application process, you may contact Human Resources at hr@riverrun.com or call 978-462-3136.
The salary range represents an estimate based on market data for this position. Final compensation decisions are made based on experience, skills, and internal equity to ensure fairness and consistency across our organization.
Commercial Loan Specialist Jobs by Experience Level
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Find JobsCommercial Loan Specialist Job Market
Who's Hiring
Top Industries Hiring
- Banking & Financial Services
What Employers Look For
The qualifications that appear most often in commercial loan specialist jobs.
- Bachelor's degree in finance, accounting, business, or a related field
- Experience analyzing business financial statements and tax returns for creditworthiness
- Proficiency with commercial loan origination and underwriting software
- Knowledge of SBA loan programs, underwriting guidelines, and documentation requirements
- Strong understanding of commercial real estate and business lending regulations
- NMLS registration or willingness to obtain it depending on loan product focus
Tips for Your Commercial Loan Specialist Job Search
Tailor your resume to loan type
Hiring managers scan for the specific loan products you've worked with. Call out SBA 7(a), commercial real estate, or lines of credit by name in your experience bullets so your resume matches the portfolio the employer actually manages.
Quantify your portfolio and approval volume
Generic statements about managing loans don't stand out. Replace them with concrete figures: total portfolio size, number of credit decisions per month, or charge-off rate you maintained. Lending roles are numbers-driven and your resume should reflect that.
Apply early to roles that fit
Migrate Mate lists commercial loan specialist openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Filter openings by institution type
Community banks, credit unions, regional banks, and national lenders hire for different portfolios and credit cultures. Decide which environment fits your underwriting style before applying so your cover letter speaks directly to that institution's client base.
Prepare a credit write-up sample before interviews
Many commercial lending interviews include a live or take-home credit analysis exercise. Having a clean, properly structured credit memo on a fictional or redacted deal lets you walk interviewers through your underwriting logic without scrambling under pressure.
Negotiate on title and portfolio scope, not just base
In commercial lending, your assigned portfolio size and loan authority limit directly shape your bonus potential and career trajectory. When evaluating an offer, ask specifically about the starting portfolio, deal flow volume, and when credit authority typically expands.
Commercial Loan Specialist Jobs: Frequently Asked Questions
Which companies are hiring the most commercial loan specialists?
The most active employers for commercial loan specialists right now are Centennial Bank, Consumers Credit Union, and United Community Bank, and the most openings are in Texas, California, and Pennsylvania, based on current listings on Migrate Mate as of November 2026. Regional and community banks consistently represent a large share of open roles alongside national commercial lenders.
How many commercial loan specialist jobs are remote?
About 61% of commercial loan specialist openings are fully remote or hybrid as of November 2026, though the role remains largely in-person given relationship-driven client work and regulatory compliance requirements. Portfolio review, credit analysis, and loan processing support functions tend to offer the most remote flexibility within the field.
How do you become a commercial loan specialist?
Start with a bachelor's degree in finance, accounting, or business, then pursue an entry-level role in credit analysis, loan operations, or retail banking to build foundational underwriting skills. From there, move into small business or commercial lending support roles, work toward NMLS registration if your state requires it, and develop hands-on experience structuring and presenting credit decisions to build toward a full commercial loan specialist position.
Can you get hired as a commercial loan specialist with little experience?
Yes, some community banks and credit unions hire candidates with limited direct lending experience if they have strong financial analysis skills or a background in accounting. Demonstrating that you can read a business tax return, build a basic cash flow model, and understand debt service coverage will carry more weight than tenure alone at the entry level.
What does the commercial loan specialist interview process look like?
Most processes include an initial phone screen with HR, followed by a structured interview with a lending manager that covers your underwriting experience, credit judgment, and knowledge of loan products. Many employers add a credit analysis exercise where you review financials and present a recommendation. Final rounds often involve meeting senior lenders or a credit committee member who probes your risk assessment approach.
Where can I find and apply to commercial loan specialist jobs?
You can find and apply to commercial loan specialist jobs on Migrate Mate, which lists current openings from across the United States. Find roles that match your experience and loan product focus, then apply directly to each listing.
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