H-1B Visa Commercial Lender Jobs
Commercial Lender roles qualify for H-1B visa sponsorship as specialty occupations requiring at least a bachelor's degree in finance, economics, or a related field. Large regional banks, community lenders, and commercial finance companies all file H-1B petitions for this title. Competition is real, but the role's degree requirement is well-established with USCIS.
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Get Access To All JobsINTRODUCTION
Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate’s unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive.
As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for “Best Bank” and “Best Commercial Bank” from the readers of San Diego Union-Tribune and Orange County Register. Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for “Overall Client Satisfaction” in Small Business & Middle Market Excellence Awards.
We are looking for a seasoned Mortgage Lender to join our California team. Our main focus in this role is soliciting and bringing in mortgage business for the bank through previous contacts, relationships, and referrals from real estate agents, builders, developers and branches.
ESSENTIAL FUNCTIONS:
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Responsible for soliciting and bringing in mortgage business for the bank through previous contacts, relationships and referrals from real estate agents, builders, developers and branches.
-
Ensure compliance with regulatory guidelines in the performance of loan originator duties.
-
Interviews potential applicants to develop information concerning their needs, desires and other information.
-
Obtains and reviews pertinent financial and credit data.
-
Responsible for assisting customers with information about loan types and interest rate options, locking interest rates as requested by the customer, preparing and sending initial disclosures to customers and submitting information to automated underwriting software.
-
Ensures any re-disclosures are made timely.
-
May order appraisals through our systems, arrange for title search and obtain necessary documents.
-
Responsible to communicate with the customer throughout the process and work with processors through closing.
-
Originates residential home loans.
-
Keeps informed of trends and developments in the local real estate market and changing rules and regulations pertaining to mortgages.
-
Develops and maintains internal relationships to drive cross-sell opportunities for other bank products.
-
Other duties as assigned.
QUALIFICATIONS:
Requires a college degree and 4+ years of mortgage lending origination experience required, including residential construction experience or other directly related experience. A combination of education and experience may meet requirements.
-
Advanced knowledge of mortgage lending, processing, credit analysis, mortgage laws and regulations.
-
Ability to successfully solicit loans.
-
Good problem solving skills.
-
Ability to work independently.
-
Strong interpersonal skills.
-
Demonstrated ability to handle multiple priorities.
-
Strong verbal and written communication skills.
-
Ability to work effectively in high pressure environment.
-
Ability to work with various types of computer software, including mortgage specific software.
This position is eligible for hourly state minimum wage plus commission. Commission is calculated based on financed loans that meet customer qualifications and lender requirements.
BENEFITS:
-
Medical, Dental and Vision Insurance - START DAY ONE!
-
Life and Disability Insurance, Paid Parental Leave and Adoption Assistance.
-
Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts.
-
Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays.
-
401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience.
-
Mental health benefits including coaching and therapy sessions.
-
Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire.
-
Employee Ambassador preferred banking products.
INTRODUCTION
Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate’s unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive.
As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for “Best Bank” and “Best Commercial Bank” from the readers of San Diego Union-Tribune and Orange County Register. Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for “Overall Client Satisfaction” in Small Business & Middle Market Excellence Awards.
We are looking for a seasoned Mortgage Lender to join our California team. Our main focus in this role is soliciting and bringing in mortgage business for the bank through previous contacts, relationships, and referrals from real estate agents, builders, developers and branches.
ESSENTIAL FUNCTIONS:
-
Responsible for soliciting and bringing in mortgage business for the bank through previous contacts, relationships and referrals from real estate agents, builders, developers and branches.
-
Ensure compliance with regulatory guidelines in the performance of loan originator duties.
-
Interviews potential applicants to develop information concerning their needs, desires and other information.
-
Obtains and reviews pertinent financial and credit data.
-
Responsible for assisting customers with information about loan types and interest rate options, locking interest rates as requested by the customer, preparing and sending initial disclosures to customers and submitting information to automated underwriting software.
-
Ensures any re-disclosures are made timely.
-
May order appraisals through our systems, arrange for title search and obtain necessary documents.
-
Responsible to communicate with the customer throughout the process and work with processors through closing.
-
Originates residential home loans.
-
Keeps informed of trends and developments in the local real estate market and changing rules and regulations pertaining to mortgages.
-
Develops and maintains internal relationships to drive cross-sell opportunities for other bank products.
-
Other duties as assigned.
QUALIFICATIONS:
Requires a college degree and 4+ years of mortgage lending origination experience required, including residential construction experience or other directly related experience. A combination of education and experience may meet requirements.
-
Advanced knowledge of mortgage lending, processing, credit analysis, mortgage laws and regulations.
-
Ability to successfully solicit loans.
-
Good problem solving skills.
-
Ability to work independently.
-
Strong interpersonal skills.
-
Demonstrated ability to handle multiple priorities.
-
Strong verbal and written communication skills.
-
Ability to work effectively in high pressure environment.
-
Ability to work with various types of computer software, including mortgage specific software.
This position is eligible for hourly state minimum wage plus commission. Commission is calculated based on financed loans that meet customer qualifications and lender requirements.
BENEFITS:
-
Medical, Dental and Vision Insurance - START DAY ONE!
-
Life and Disability Insurance, Paid Parental Leave and Adoption Assistance.
-
Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts.
-
Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays.
-
401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience.
-
Mental health benefits including coaching and therapy sessions.
-
Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire.
-
Employee Ambassador preferred banking products.
See all H-1B Visa Commercial Lender Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new H-1B Visa Commercial Lender Jobs.
Get Access To All JobsTips for Finding H-1B Visa Sponsorship in Commercial Lender
Verify your degree aligns with USCIS criteria
Commercial Lender petitions require a direct connection between your degree field and the role. A finance, economics, or accounting degree maps cleanly. A general business degree may need supporting documentation showing coursework in credit analysis or lending.
Target banks enrolled in E-Verify
Federal contractors and FDIC-regulated institutions often use E-Verify and have structured HR processes for work authorization. These employers are more likely to have existing H-1B filing infrastructure than smaller independent lenders.
Check prevailing wage before accepting an offer
Your employer's LCA must certify a wage at or above the DOL prevailing wage for your metro area and job title. Run the OFLC Wage Search yourself before negotiating so you know the floor your employer is legally required to meet.
Use Migrate Mate to find verified H-1B sponsors
Filter Commercial Lender roles by employers with confirmed H-1B LCA filing history on Migrate Mate. This surfaces institutions that have already cleared DOL certification for this job title, not just employers who might consider sponsoring.
File before the April 1 cap deadline
H-1B cap-subject petitions must be submitted by April 1 for an October 1 start date. Coordinate with your employer's immigration counsel in January or February to complete the registration, gather documents, and avoid last-minute delays.
Document credit analysis experience in your petition
USCIS scrutinizes Commercial Lender petitions for specialty occupation status. A detailed job duty letter from your employer that ties credit underwriting, financial statement analysis, and portfolio risk assessment to degree-level knowledge strengthens the petition significantly.
H-1B Visa Commercial Lender: Frequently Asked Questions
Does a Commercial Lender role qualify as a specialty occupation for H-1B purposes?
Yes, Commercial Lender qualifies as a specialty occupation when the role requires at least a bachelor's degree in finance, economics, accounting, or a directly related field. USCIS evaluates whether the specific duties, such as credit underwriting, financial statement analysis, and loan structuring, require theoretical and practical application of highly specialized knowledge. A well-drafted job duty letter from your employer is essential to establish this.
Which types of employers sponsor H-1B visas for Commercial Lenders?
Regional and national banks, credit unions, commercial finance companies, and specialty lenders have all filed H-1B petitions for Commercial Lender roles. Publicly traded financial institutions and large community banks tend to have established immigration processes. You can find employers with confirmed H-1B LCA filing history for this title on Migrate Mate, filtered by location and industry.
How does the DOL prevailing wage requirement affect my Commercial Lender offer?
Your employer must file a Labor Condition Application certifying your offered wage meets or exceeds the DOL prevailing wage for Commercial Lenders in your specific metro area. Wage levels are tiered from Level I to Level IV based on experience and complexity. Run the OFLC Wage Search before finalizing your offer to confirm the minimum your employer is required to pay under DOL rules.
Can I transfer my H-1B to a new commercial lending employer mid-status?
Yes. H-1B portability allows you to start working for a new employer as soon as the transfer petition is filed with USCIS, without waiting for approval, provided your current H-1B was properly maintained and you have not accrued unlawful presence. Your new employer files a fresh I-129 petition. The specialty occupation requirement still applies, so the new role must also require a qualifying degree.
Does my foreign banking or lending credential count toward the specialty occupation requirement?
Foreign degrees are accepted if a credential evaluation confirms they are equivalent to a U.S. bachelor's degree in a relevant field. A three-year finance or commerce degree from certain countries may require additional coursework documentation or a foreign credential evaluation report. USCIS also accepts three years of specialized work experience as a substitute for one year of formal education in limited circumstances.