Commercial Officer Jobs
Commercial Officer jobs are open across government contracting, financial services, international trade, and corporate development, from entry-level analyst roles to director and senior commercial officer positions, with specializations in contract negotiation, trade compliance, and business development. Scan the live roles below and apply to whichever ones fit.
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About Us
Live Oak Bank is a digital bank for small business owners across the country. Our goal is to be America’s Small Business Bank, and we’re getting there by pairing exceptional service with smart technology. We support owners at every stage with products:
- loans to buy, build, and expand
- checking and merchant services to keep daily operations moving
- high-yield savings and CDs to grow the money they’ve worked hard to earn
Our people are the heart of Live Oak. We take care of each other here, and that care carries over to how we serve our customers. If you want to help small business owners chase the American dream, we’d love to meet you.
How This Role Impacts Live Oak and its People
The Senior Credit Officer, Commercial (Solar & Renewable Energy) is the embedded credit officer for the Bank’s solar and renewable energy lending team. This role approves solar and renewable energy credit requests within individual loan authority, adhering to Bank policies and Government program guidelines, and serves as the primary credit partner to Energy & Infrastructure bankers and underwriters from early deal structuring through approval, closing, construction, and ongoing portfolio management. They lead the credit review of the Bank’s solar and renewable energy portfolio to help prevent or reduce loan losses. Responsibilities include verifying that documentation aligns with loan approvals and regulatory requirements, identifying early signs of project, sponsor, or counterparty deterioration, and ensuring compliance with policy objectives. As capacity allows, this role also supports loan transactions and portfolio activities across other Commercial Bank lending verticals.
Location Preference: This position is ideally based in Wilmington, NC; however, remote designations may be considered for qualified candidates.
What You’ll Do at Live Oak
- Serve as the embedded credit officer for the solar and renewable energy lending team, engaging with bankers and underwriters early in the deal process to shape structure, terms, and risk mitigants before transactions reach approval
- Approve solar and renewable energy credit requests within individual authority, adhering to Bank and regulatory guidelines (FDIC, SBA, and USDA), and present larger or more complex transactions to the Commercial Finance Credit Committee and senior credit leadership
- Provide subject matter expertise on solar and renewable energy projects and financing structures, including utility-scale, community solar, commercial and industrial (C&I), and battery energy storage (BESS) projects across construction, term, bridge, and tax credit related financings
- Evaluate project economics and revenue quality, including PPA, offtake, and community solar subscription contracts, merchant and REC exposure, independent engineer reports, energy production estimates (P50/P99), degradation and availability assumptions, and debt sizing and DSCR sculpting
- Assess sponsor, developer, EPC, and O&M counterparty strength, along with construction completion risk, interconnection and permitting status, equipment supply and warranty coverage, and tax credit (ITC/PTC) eligibility, transferability, and recapture considerations in light of evolving federal tax, tariff, and trade policy
- Oversee the credit aspects of construction lending and conversion to term, including draw review, milestone and COD tracking, and satisfaction of conversion conditions, in partnership with construction risk and servicing teams
- Own credit oversight of the solar and renewable energy portfolio, including monitoring project performance against base case, covenant and reserve compliance, annual reviews, and accurate risk ratings
- Identify early warning signs on solar and renewable energy credits and lead resolution strategy on watch list and troubled loans in partnership with Servicing and Special Assets
- Approve modifications, waivers, consents, and extensions on existing solar and renewable energy loans within individual authority
- Contribute to solar and renewable energy credit policy, underwriting standards, and concentration monitoring, and prepare portfolio reporting for senior management, the Board, and regulators
- Conduct site visits to operating and under-construction projects
- Support loan production while ensuring compliance with all applicable risk policies, procedures, and mitigants
- Contribute to the collaborative process that aims to produce sound credit decisions and add appropriately structured loans to support the Bank’s growth and loan generation goals
- Work cross-functionally with departments involved in loan production to ensure smooth execution
- Assist with broader Credit Team functions (credit training, board reports, credit policy maintenance, and participation in the Commercial Finance Credit Committee)
- As capacity allows, support loan transactions and portfolio activities across other Commercial Bank lending verticals, including Seniors Housing, ABL/GovCon, Sponsor Finance, Venture Banking, and broader Energy & Infrastructure
- Maintain a high standard of regulatory awareness including BSA, AML, CIP, and OFAC
Required Experience
- 7+ years of solar and renewable energy credit experience, including financial analysis, underwriting, structuring, and credit approval of project-level and portfolio financings
- Demonstrated experience decisioning or recommending credit approvals on solar and renewable energy transactions, including construction and term financings
- Working knowledge of solar and renewable energy project documents (PPAs, interconnection agreements, EPC and O&M contracts, independent engineer reports, and tax equity and tax credit transfer structures) and the financial models used to size project debt
- Experience managing a renewable energy loan portfolio, including risk rating, covenant monitoring, and problem loan resolution
- Strong understanding of the Bank’s policies, procedures, and criteria
- Strong written and verbal communication skills, including presenting credit recommendations to committee
- Commercial lending and sales experience; exposure to other Commercial Bank verticals (commercial real estate, sponsor finance, venture banking, or ABL) and to USDA or SBA guaranteed lending programs is a plus
Our Values
Dedication: Possess a deep commitment to Live Oak Bank’s mission and core values, exemplified through a strong work ethic, adaptability and pride in your work.
Ownership: Take initiative to deliver positive results by proactively and creatively solving problems, while maintaining a high degree of quality.
Respect: Treat everyone with courtesy, politeness, and kindness.
Innovation: Embrace fresh ideas and fearlessly contribute new solutions to emerging or existing problems.
Teamwork: Foster collaboration, accountability, and trust with others and understand that together, we do more
For a detailed overview of our employee benefits please visit: http://www.liveoakbank.com/careers/
Live Oak Bank is an Affirmative Action and Equal Opportunity Employer, Minorities/Women/Veterans/Disabled. We consider applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, veteran status or disability. Equal access to programs, service and employment is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify human resources at HumanResources@liveoak.bank.
EEO is the Law
The base pay range for this position is $190,180.00 - $262,140.00 per year. Compensation may also include annual bonuses and long-term incentives, subject to various metrics and company policy. A candidate’s salary is determined by several factors including travel, relevant work experience or skills and expertise.Please note that we provide at least the minimum requirement of paid sick leave to our employees who reside in states that require employer-paid sick leave, including but not limited to Arizona, California, Colorado, District of Columbia, Maine, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New Mexico, New York, Oregon, Rhode Island, Vermont, and Washington.
About Us
Live Oak Bank is a digital bank for small business owners across the country. Our goal is to be America’s Small Business Bank, and we’re getting there by pairing exceptional service with smart technology. We support owners at every stage with products:
- loans to buy, build, and expand
- checking and merchant services to keep daily operations moving
- high-yield savings and CDs to grow the money they’ve worked hard to earn
Our people are the heart of Live Oak. We take care of each other here, and that care carries over to how we serve our customers. If you want to help small business owners chase the American dream, we’d love to meet you.
How This Role Impacts Live Oak and its People
The Senior Credit Officer, Commercial (Solar & Renewable Energy) is the embedded credit officer for the Bank’s solar and renewable energy lending team. This role approves solar and renewable energy credit requests within individual loan authority, adhering to Bank policies and Government program guidelines, and serves as the primary credit partner to Energy & Infrastructure bankers and underwriters from early deal structuring through approval, closing, construction, and ongoing portfolio management. They lead the credit review of the Bank’s solar and renewable energy portfolio to help prevent or reduce loan losses. Responsibilities include verifying that documentation aligns with loan approvals and regulatory requirements, identifying early signs of project, sponsor, or counterparty deterioration, and ensuring compliance with policy objectives. As capacity allows, this role also supports loan transactions and portfolio activities across other Commercial Bank lending verticals.
Location Preference: This position is ideally based in Wilmington, NC; however, remote designations may be considered for qualified candidates.
What You’ll Do at Live Oak
- Serve as the embedded credit officer for the solar and renewable energy lending team, engaging with bankers and underwriters early in the deal process to shape structure, terms, and risk mitigants before transactions reach approval
- Approve solar and renewable energy credit requests within individual authority, adhering to Bank and regulatory guidelines (FDIC, SBA, and USDA), and present larger or more complex transactions to the Commercial Finance Credit Committee and senior credit leadership
- Provide subject matter expertise on solar and renewable energy projects and financing structures, including utility-scale, community solar, commercial and industrial (C&I), and battery energy storage (BESS) projects across construction, term, bridge, and tax credit related financings
- Evaluate project economics and revenue quality, including PPA, offtake, and community solar subscription contracts, merchant and REC exposure, independent engineer reports, energy production estimates (P50/P99), degradation and availability assumptions, and debt sizing and DSCR sculpting
- Assess sponsor, developer, EPC, and O&M counterparty strength, along with construction completion risk, interconnection and permitting status, equipment supply and warranty coverage, and tax credit (ITC/PTC) eligibility, transferability, and recapture considerations in light of evolving federal tax, tariff, and trade policy
- Oversee the credit aspects of construction lending and conversion to term, including draw review, milestone and COD tracking, and satisfaction of conversion conditions, in partnership with construction risk and servicing teams
- Own credit oversight of the solar and renewable energy portfolio, including monitoring project performance against base case, covenant and reserve compliance, annual reviews, and accurate risk ratings
- Identify early warning signs on solar and renewable energy credits and lead resolution strategy on watch list and troubled loans in partnership with Servicing and Special Assets
- Approve modifications, waivers, consents, and extensions on existing solar and renewable energy loans within individual authority
- Contribute to solar and renewable energy credit policy, underwriting standards, and concentration monitoring, and prepare portfolio reporting for senior management, the Board, and regulators
- Conduct site visits to operating and under-construction projects
- Support loan production while ensuring compliance with all applicable risk policies, procedures, and mitigants
- Contribute to the collaborative process that aims to produce sound credit decisions and add appropriately structured loans to support the Bank’s growth and loan generation goals
- Work cross-functionally with departments involved in loan production to ensure smooth execution
- Assist with broader Credit Team functions (credit training, board reports, credit policy maintenance, and participation in the Commercial Finance Credit Committee)
- As capacity allows, support loan transactions and portfolio activities across other Commercial Bank lending verticals, including Seniors Housing, ABL/GovCon, Sponsor Finance, Venture Banking, and broader Energy & Infrastructure
- Maintain a high standard of regulatory awareness including BSA, AML, CIP, and OFAC
Required Experience
- 7+ years of solar and renewable energy credit experience, including financial analysis, underwriting, structuring, and credit approval of project-level and portfolio financings
- Demonstrated experience decisioning or recommending credit approvals on solar and renewable energy transactions, including construction and term financings
- Working knowledge of solar and renewable energy project documents (PPAs, interconnection agreements, EPC and O&M contracts, independent engineer reports, and tax equity and tax credit transfer structures) and the financial models used to size project debt
- Experience managing a renewable energy loan portfolio, including risk rating, covenant monitoring, and problem loan resolution
- Strong understanding of the Bank’s policies, procedures, and criteria
- Strong written and verbal communication skills, including presenting credit recommendations to committee
- Commercial lending and sales experience; exposure to other Commercial Bank verticals (commercial real estate, sponsor finance, venture banking, or ABL) and to USDA or SBA guaranteed lending programs is a plus
Our Values
Dedication: Possess a deep commitment to Live Oak Bank’s mission and core values, exemplified through a strong work ethic, adaptability and pride in your work.
Ownership: Take initiative to deliver positive results by proactively and creatively solving problems, while maintaining a high degree of quality.
Respect: Treat everyone with courtesy, politeness, and kindness.
Innovation: Embrace fresh ideas and fearlessly contribute new solutions to emerging or existing problems.
Teamwork: Foster collaboration, accountability, and trust with others and understand that together, we do more
For a detailed overview of our employee benefits please visit: http://www.liveoakbank.com/careers/
Live Oak Bank is an Affirmative Action and Equal Opportunity Employer, Minorities/Women/Veterans/Disabled. We consider applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, veteran status or disability. Equal access to programs, service and employment is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify human resources at HumanResources@liveoak.bank.
EEO is the Law
The base pay range for this position is $190,180.00 - $262,140.00 per year. Compensation may also include annual bonuses and long-term incentives, subject to various metrics and company policy. A candidate’s salary is determined by several factors including travel, relevant work experience or skills and expertise.Please note that we provide at least the minimum requirement of paid sick leave to our employees who reside in states that require employer-paid sick leave, including but not limited to Arizona, California, Colorado, District of Columbia, Maine, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New Mexico, New York, Oregon, Rhode Island, Vermont, and Washington.
See All 251+ Commercial Officer Jobs
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Find Commercial Officer JobsCommercial Officer Job Market
Who's Hiring
Top Industries Hiring
- Banking & Financial Services12
- Insurance3
- Consulting & Professional Services3
What Employers Look For
The qualifications that appear most often in commercial officer jobs.
- Bachelor's degree in business administration, finance, law, or a related field
- Demonstrated experience drafting, reviewing, and negotiating commercial contracts
- Proficiency with contract lifecycle management or procurement software platforms
- Strong knowledge of commercial law, regulatory compliance, and risk management principles
- Experience managing cross-functional stakeholder relationships and vendor negotiations
- Relevant professional certification such as CPCM, CFCM, or equivalent procurement credential
Tips for Your Commercial Officer Job Search
Tailor your resume to contract types
Commercial officer roles split between public-sector procurement and private-sector deal-making. Specify the contract types you have worked with, such as fixed-price, cost-plus, or framework agreements, so hiring managers immediately see relevant experience rather than generic commercial exposure.
Highlight negotiation outcomes with specifics
Hiring managers for commercial officer roles want to see what your negotiations produced. Describe the deal size, the counterparty, and the outcome you secured. Quantify cost savings, improved terms, or shortened cycle times wherever your past employer allows you to share those figures.
Apply early to roles that fit
Migrate Mate lists commercial officer 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 contract authority level
Many commercial officer postings specify the dollar threshold up to which the role holds independent signing authority. Target roles whose authority ceiling matches or slightly exceeds your current level, so you are not underselling yourself or applying to positions well outside your experience band.
Prepare a commercial scenario for interviews
Most commercial officer interviews include a live case study or a structured scenario question about a contested clause or a supplier dispute. Walk the panel through your analysis framework, your risk assessment, and the concession strategy you would use, not just the final answer you would reach.
Follow up with a commercial angle
After your final interview round, send a brief note that references one specific commercial challenge the team mentioned and connects it to something from your background. This keeps your candidacy concrete in the hiring panel's mind and signals exactly how you would add value from day one.
Commercial Officer Jobs: Frequently Asked Questions
Which companies are hiring the most commercial officers?
The companies hiring the most commercial officers right now include Centennial Bank, Consumers Credit Union, and FCT, with the largest share of openings in Texas, New York, and Florida, based on current listings on Migrate Mate as of November 2026. Demand is strongest in government contracting, aerospace and defense, and financial services.
How many commercial officer jobs are remote?
About 67% of commercial officer openings are fully remote or hybrid as of November 2026, reflecting the document-heavy and negotiation-focused nature of much of the work. Sub-specializations in contract review, compliance analysis, and trade documentation tend to offer the highest share of remote or hybrid arrangements compared to roles that require on-site supplier or client engagement.
How do you become a commercial officer?
Start with a degree in business, finance, law, or supply chain management, then move into a junior contracts or procurement analyst role to build hands-on experience with real agreements. Develop a working knowledge of contract law and risk allocation principles, pursue a recognized procurement certification, and progressively take on roles with broader negotiation authority and higher contract values to advance into full commercial officer positions.
Can you get hired as a commercial officer with little experience?
Yes, entry-level commercial officer roles and junior contracts analyst positions are a realistic starting point with limited direct experience. Employers in this space respond well to candidates who can demonstrate analytical rigor, attention to detail in reviewing documents, and familiarity with standard commercial terms. Internships in procurement, legal operations, or business development, combined with a relevant certification, can substitute for years of full-time experience in many hiring panels.
What does the commercial officer interview process look like?
Most commercial officer interview processes include an initial screening call focused on your contracts background, followed by a panel interview with commercial, legal, or finance stakeholders. You will typically work through a scenario question involving a disputed clause, a risk trade-off, or a supplier negotiation. Some employers add a written exercise where you review a sample agreement and flag issues, testing both your legal literacy and your ability to communicate risk clearly.
Where can I find and apply to commercial officer jobs?
You can find and apply to commercial officer jobs on Migrate Mate, which lists current openings from across the United States in one place. Search the available roles, find the ones that match your background and preferences, and apply directly to each listing that fits.
See All 251+ Commercial Officer Jobs
Find roles that match your experience and apply in just a few clicks.
Find Commercial Officer Jobs