Remote Commercial Loan Officer Jobs
Remote commercial loan officer jobs are open across the U.S. in sectors like commercial banking, credit unions, fintech lending, and business finance, at institutions ranging from regional banks with distributed teams to remote-first specialty lenders. Companies currently hiring include ConnectOne Bank, WesBanco Bank, and Golden 1 Credit Union. See the openings below and apply to the ones that match your experience.
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Showing 5 of 6+ Remote Commercial Loan Officer jobs
Job Description and Requirements
The Commercial Loan Officer is responsible for soliciting, negotiating, underwriting and coordinating the closing of equipment, SBA, commercial real estate, and business loans in compliance with the credit union’s lending policies and procedures; develops business checking and deposit relationships with members; and promotes business for the credit union by maintaining good member services/relations. Position is also responsible for managing existing relationships and ongoing monitoring and compliance requirements related to the portfolio.
- This job may be eligible for work from home - hybrid schedule . The Commercial Loan Officer is required to work on-site at the Garland Branch three days per week.
Essential Functions and Responsibilities:
- Prospecting and originating new Commercial Real Estate (CRE) and Commercial & Industrial loans (C&I) of with a focus on targeting small to middle market companies.
- Manage relationships within an assigned portfolio and develop new revenue/fee income for the credit union through the development of new commercial relationships, negotiating and closing new lines of commercial credit and loans, and generating new deposits.
- Establish referral network and relationships with commercial real estate brokers, loan brokers, CPAs as well participate in various civic and industry groups within the local community.
- Expand and retain relationships - Profile new and existing commercial clients to ensure cross-sell of deposits, credit, and other credit union consumer products.
- Knowledge of commercial banking credit policies and procedures, credit/financial statement analysis, loan structuring, cash flow analysis. Working knowledge of credit products and processes.
- Underwrite and structure credit transactions and obtain credit approval.
- Monitors loan exception and delinquency reports and works with members and staff to cure exceptions.
- Serve as a resource for other Commercial Lending Officer's to assist with underwriting and documentation for potential loans when needed.
- Build and manage a loan portfolio in range of $15 - $35 million while meeting annual production goals in new loans based on experience.
- Adhere to the culture of regulatory compliance established by the Business Solutions management team. All other duties as assigned (note: essential functions and responsibilities may change or new ones may be assigned at any time with or without notice).
Requirements:
- Some college or successful completion of Associates Degree in Finance, Accounting, Economics, Management, or closely related field; OR successful completion of a relevant program from an accredited technical school; or an equivalent combination of education and experience
- 3+ years of direct Commercial Lending/Relationship Management/Business Development experience or related business lending experience Working knowledge of commercial banking credit policies and procedures, credit/financial statement analysis, loan structuring, cash flow analysis
Preferred:
- Bachelors Degree in Finance, Accounting, Economics or Management Formal Credit Training
Skills and/or Certifications/Licensing:
- Excellent verbal and written communication skills required, as well as strong presentation skills
- Moderate skill set in Microsoft Office Applications Ability to perform intermediate level accounting and financial analysis under moderate supervision
All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.
Job Description and Requirements
The Commercial Loan Officer is responsible for soliciting, negotiating, underwriting and coordinating the closing of equipment, SBA, commercial real estate, and business loans in compliance with the credit union’s lending policies and procedures; develops business checking and deposit relationships with members; and promotes business for the credit union by maintaining good member services/relations. Position is also responsible for managing existing relationships and ongoing monitoring and compliance requirements related to the portfolio.
- This job may be eligible for work from home - hybrid schedule . The Commercial Loan Officer is required to work on-site at the Garland Branch three days per week.
Essential Functions and Responsibilities:
- Prospecting and originating new Commercial Real Estate (CRE) and Commercial & Industrial loans (C&I) of with a focus on targeting small to middle market companies.
- Manage relationships within an assigned portfolio and develop new revenue/fee income for the credit union through the development of new commercial relationships, negotiating and closing new lines of commercial credit and loans, and generating new deposits.
- Establish referral network and relationships with commercial real estate brokers, loan brokers, CPAs as well participate in various civic and industry groups within the local community.
- Expand and retain relationships - Profile new and existing commercial clients to ensure cross-sell of deposits, credit, and other credit union consumer products.
- Knowledge of commercial banking credit policies and procedures, credit/financial statement analysis, loan structuring, cash flow analysis. Working knowledge of credit products and processes.
- Underwrite and structure credit transactions and obtain credit approval.
- Monitors loan exception and delinquency reports and works with members and staff to cure exceptions.
- Serve as a resource for other Commercial Lending Officer's to assist with underwriting and documentation for potential loans when needed.
- Build and manage a loan portfolio in range of $15 - $35 million while meeting annual production goals in new loans based on experience.
- Adhere to the culture of regulatory compliance established by the Business Solutions management team. All other duties as assigned (note: essential functions and responsibilities may change or new ones may be assigned at any time with or without notice).
Requirements:
- Some college or successful completion of Associates Degree in Finance, Accounting, Economics, Management, or closely related field; OR successful completion of a relevant program from an accredited technical school; or an equivalent combination of education and experience
- 3+ years of direct Commercial Lending/Relationship Management/Business Development experience or related business lending experience Working knowledge of commercial banking credit policies and procedures, credit/financial statement analysis, loan structuring, cash flow analysis
Preferred:
- Bachelors Degree in Finance, Accounting, Economics or Management Formal Credit Training
Skills and/or Certifications/Licensing:
- Excellent verbal and written communication skills required, as well as strong presentation skills
- Moderate skill set in Microsoft Office Applications Ability to perform intermediate level accounting and financial analysis under moderate supervision
All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.
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Find JobsRemote Commercial Loan Officer Job Market
Who's Hiring
What Employers Look For
The qualifications that appear most often in remote commercial loan officer jobs.
- Bachelor's degree in finance, business, economics, or a related field
- Demonstrated experience in commercial credit analysis and loan underwriting
- Proficiency in financial statement analysis and cash flow modeling
- Knowledge of SBA loan programs, including 7(a) and 504 lending guidelines
- Familiarity with loan origination software and core banking platforms
- Certified Lender Business Banker (CLBB) or equivalent lending certification preferred
Tips for Your Remote Commercial Loan Officer Job Search
Show your pipeline management setup
Remote employers want proof you can manage a commercial loan pipeline without daily check-ins. Document the CRM and loan origination platforms you use, how you track deals from prospecting to close, and how you stay accountable to production goals on your own.
Apply early to remote roles that fit
Migrate Mate lists remote commercial loan officer openings from across the U.S. in one place, so you can find roles that match your background and apply directly. Applying in the first 48 hours puts you ahead of the bulk of applicants who find postings after the initial rush.
Demonstrate async client communication skills
Remote commercial lending means much of your borrower and underwriter contact happens over email and video rather than in a branch. Write a sharp cover letter and be ready to show writing samples or explain how you manage relationship-building without face-to-face meetings.
Get familiar with remote underwriting workflows
Remote employers expect you to move deals through digital document collection, e-signature platforms, and cloud-based credit memo review without an in-office underwriting team nearby. Knowing the specific software stack a lender uses, and mentioning it in your application, signals you can contribute from day one.
Remote Commercial Loan Officer Jobs: Frequently Asked Questions
How do I get a remote commercial loan officer job?
Remote commercial loan officer roles go to candidates who can demonstrate they can manage a commercial lending pipeline without in-office oversight. Employers screen for self-direction, strong written communication for async client and underwriting work, and proficiency with loan origination software and CRM platforms. Highlighting closed deals, portfolio quality, and experience working with distributed teams gives your application a clear edge over generalist applicants.
Which companies hire remote commercial loan officers?
Employers currently hiring remote commercial loan officers include ConnectOne Bank, WesBanco Bank, and Golden 1 Credit Union, per current remote listings on Migrate Mate as of November 2026. Remote hiring in this role is most active at fintech lenders, online banks, and commercial banks that have built distributed loan production offices across multiple markets.
Can you get a remote commercial loan officer job with no experience?
Yes, but remote entry-level commercial loan officer roles are harder to land because employers expect you to work independently from day one with limited hand-holding. Fintech lenders and online commercial lending platforms are the most likely to hire entry-level candidates remotely. Demonstrating comfort with loan origination software, completing relevant coursework or certifications in commercial credit, and showing strong written communication skills helps close the experience gap.
Do you need a degree for remote commercial loan officer jobs?
Not always. Many remote employers weigh demonstrated credit analysis skills, loan origination volume, and portfolio performance alongside or even above formal education. A finance or business degree helps you get past initial screening at larger institutions, but lenders focused on production results will often prioritize a verifiable history of closed commercial loans and clean underwriting over credentials alone.
See All 6 Remote Commercial Loan Officer Jobs
Find roles that match your experience and apply in just a few clicks.
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