Remote Commercial Lender Jobs
Remote commercial lender jobs are open across the U.S. at remote-first firms and distributed financial teams hiring for portfolio management, credit analysis, and business development. Employers hiring remotely right now include Quaint Oak Bank, Waterfall Bank, and Stearns Bank NA. Scan the live roles below and apply to whichever ones fit.
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Showing 5 of 7+ Remote Commercial Lender jobs
Company Overview
At Waterfall Bank, white‑glove service and a seamless customer experience are at the heart of everything we do. We care deeply about clients, foster a collaborative team environment, and are energized by innovation and continuous improvement. We are future-focused, detail-driven, and motivated to raise the bar every day.
Position Summary
Promote the Bank and its products and services by planning, implementing, directing and administering the marketing and operational efforts of the Bank in an efficient and profitable manner to meet the Bank’s goals and objectives.
Key Responsibilities
- Identify new loan opportunities through business development efforts;
- Cross sells all applicable financial products, seeking to develop and service desirable and profitable loans;
- Solicit, negotiate and underwrite loans, coordinating closing;
- Work with customers to explain the loan process and answer questions, advising borrowers on financial status and methods of payment;
- Monitor the credit quality of the loan portfolios to ensure that proper credit grades identifying the level of risk to each loan is assigned; recommend grade changes where the risk has increased or decreased since its inception;
- Monitor past due loans and collect payments; report all loans more than 10 days past due to the loan committee and coordinate collection efforts when problems or difficulties are encountered;
- Develop referral relationships with realtors, builders and other sources to proactively solicit business and conduct sales-related activities in order to meet loan origination goals;
- Evaluate, authorize and recommend approval of commercial loans and lines of credit;
- Demonstrate an understanding of and follow established Board policies, procedures, and regulations, including those defined by BSA,AML CIP and OFAC, cognizant of transactions, inquiries that appear suspicious, obtaining reasonable and verifiable explanations, notifying the Compliance Officer when necessary; ensure section 103.33 of BSA is maintained on loans >$10,000; completion of all web-based compliance training within established time frame.
Minimum Qualifications
- Degree in business or equivalent experience required
- Five years’ experience in the lending field with formal credit training and strong analytical skills
- Strong understanding of financial statement analysis, cash flow, debt service coverage and sources of repayment
- Strong business development and marketing skills, communication and negotiating skills.
Preferred Qualifications
- Seven or more years of commercial lending experience, preferably within a community or regional banking environment.
- Established network of referral sources and a demonstrated record of developing new business and growing a profitable loan portfolio.
- Experience underwriting and managing commercial real estate and commercial and industrial loans, including complex credit structures and problem-loan resolution.
Key Competencies
- Business Development: Builds strong referral relationships and consistently identifies opportunities to grow a profitable loan portfolio.
- Credit Analysis: Evaluates financial statements, cash flow, collateral, repayment capacity, and overall credit risk.
- Relationship Management: Develops trusted client relationships through responsive, consultative, and white-glove service.
- Decision-Making: Uses sound judgment to structure, recommend, and manage loans in alignment with Bank policies and risk standards.
- Communication and Negotiation: Clearly explains lending requirements, negotiates terms effectively, and collaborates across departments.
Pay: From $130,000.00 per year
Benefits:
- 401(k)
- 401(k) matching
- Dental insurance
- Employee assistance program
- Health insurance
- Health savings account
- Life insurance
- Opportunities for advancement
- Parental leave
- Referral program
- Vision insurance
Experience:
- Commercial Lending: 5 years (Required)
Location:
- Remote (Preferred)
Ability to Commute:
- Remote (Required)
Work Location: Remote
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Who's Hiring
What Employers Look For
The qualifications that appear most often in remote commercial lender jobs.
- Bachelor's degree in finance, business administration, or a related field
- Proven experience underwriting commercial loans or analyzing business financial statements
- Proficiency in credit analysis software and core banking platforms
- Strong knowledge of SBA lending guidelines, CRE, or C&I loan structures
- Established or demonstrable ability to grow and manage a commercial loan portfolio
- Relevant certifications such as the Credit Risk Certification or Graduate School of Banking completion
Tips for Your Remote Commercial Lender Job Search
Apply early to remote roles that fit
Migrate Mate lists remote commercial lender openings from across the U.S. in one place, so you can find roles that match your background and apply directly. Remote roles fill fast, so checking for new postings regularly gives you a real advantage.
Show your remote work setup upfront
Remote lenders manage sensitive client conversations and credit decisions from home. Call out your dedicated workspace, secure internet connection, and any video conferencing or loan origination software you already use. Employers screen for this before the first interview.
Build a written communication sample
Remote commercial lending runs on written updates, credit memos, and async client communication. Prepare a concise credit summary or deal memo you can share as a work sample. It signals that you can close deals and manage borrower relationships without relying on in-person contact.
Target distributed lending teams directly
Remote-first online lenders, SBA-focused lenders, and fintech companies have built entire distributed credit teams. Searching by team structure, not just job title, helps you find employers whose remote workflow is already mature and where you won't be the only person working off-site.
Remote Commercial Lender Jobs: Frequently Asked Questions
How do I get a remote commercial lender job?
Target remote-first banks, credit unions, online lenders, and fintech companies that have built distributed lending teams. Remote commercial lender hiring screens heavily for self-direction, strong written communication, and the ability to manage a loan portfolio without in-person oversight. Candidates who can demonstrate pipeline management, credit underwriting experience, and comfort with video-based client relationships stand out most in remote hiring processes.
Which companies hire remote commercial lenders?
Employers currently hiring remote commercial lenders include Quaint Oak Bank, Waterfall Bank, and Stearns Bank NA, per current remote listings on Migrate Mate as of August 2026. Remote commercial lender roles tend to come from online banks, fintech lenders, SBA-focused lenders, and credit unions that have adopted distributed team structures.
Can you get a remote commercial lender job with no experience?
Yes, but remote entry-level commercial lender roles are competitive because employers expect you to manage credit decisions and client relationships independently from day one. Online lenders and fintech companies are the most likely to hire junior remote candidates. Showing familiarity with credit analysis fundamentals, financial modeling, and async communication tools can substitute for formal work history and open the door to entry-level remote roles.
Do you need a degree for remote commercial lender jobs?
Not always. Many remote employers value demonstrated credit underwriting skills, a history of managing loan portfolios, and verifiable client results over a specific degree. A finance, business, or economics background helps and is preferred at larger institutions, but community banks, credit unions, and fintech lenders hiring remotely often weigh hands-on lending experience and proven deal flow more heavily than formal credentials.
See All 7 Remote Commercial Lender Jobs
Find roles that match your experience and apply in just a few clicks.
Find Remote Commercial Lender Jobs