Commercial Loan Officer

This is a fully remote position, open to applicants in California, +3 more states.

📋 Description

• Cultivate and sustain relationships with investors in commercial real estate, borrowers, mortgage brokers, and various referral sources.

• Identify new lending prospects for acquisition, refinancing, cash-out, bridge, and value-add transactions.

• Assess borrower financial statements, rent rolls, operating statements, and cash flows from properties.

• Structure loan transactions based on borrower goals, credit policies, and risk management protocols.

• Analyze DSCR, LTV, debt yield, sponsorship strength, and global cash flow metrics.

• Present lending opportunities and strategic recommendations to Credit and Executive Management.

• Negotiate loan terms, pricing structures, and conditions.

• Oversee transactions from initial assessment through to funding completion.

• Collaborate with Underwriting, Appraisal, Legal, Closing, and Portfolio Management teams.

• Keep track of market trends, property valuations, and competitive lending practices within designated territories.

• Maintain a robust pipeline and meet production targets.

• Ensure adherence to regulatory standards, internal policies, and credit guidelines.

• Assist in portfolio retention, loan modifications, and expansion of relationships.

⛳️ Requirements

• Bachelor’s degree in Finance, Business, Real Estate, Accounting, or a related discipline.

• A minimum of 5 years of experience in commercial real estate lending, income property lending, commercial banking, or CRE originations.

• Comprehensive understanding of commercial real estate finance and credit evaluation.

• Proven experience in underwriting and structuring loans backed by multifamily, office, industrial, retail, hospitality, mixed-use, and other income-generating properties.

• Solid knowledge of DSCR, LTV, debt yield, NOI analysis, borrower global cash flow, and commercial loan documentation.

• Preferred established network of commercial real estate borrowers, brokers, and industry professionals.

• Exceptional sales, negotiation, and relationship management capabilities.

• Outstanding verbal, written, and presentation communication skills.

• Capacity to manage multiple transactions and adhere to deadlines in a dynamic environment.

• Proficient in Microsoft Office and commercial lending systems.

• Successful completion of a credit check, criminal background check, and pre-employment drug screening, including marijuana screening.

• Must meet U.S. employment eligibility verification criteria.

🏝️ Benefits

• Medical, Dental, Vision, and Life Insurance.

• Paid Sick Leave.

• 3 weeks of Vacation.

• Holidays (approximately 11 per year).

• HSA or FSA account.

• Additional voluntary benefits.

• 401(k) Retirement Saving Plan with Employer Match Program.

• 529 Savings Plan.

• Employee Mortgage Loan Program.

• Complimentary access to an Axos Bank Account with Self-Directed Trading.