Commercial Lending Officer

Company: Cypress HCM
Location: Cincinnati
Posted on: February 16, 2026

Job Description:

Job Description Job Description Commercial Lending Officer Location : Blue Ash, OH (On-Site) Pay: $110,000-140,000 (compensation can vary depending on experience) Benefits, Community Involvement, PTO, 401k match (10% dollar for dollar), Roth contribution General Overview The Commercial Lending Officer is responsible for developing new commercial business and expanding existing commercial customer relationships. The role involves originating and servicing a variety of commercial and commercial real estate loans, maintaining compliance with lending policies and regulatory requirements, and managing a high-quality loan portfolio to minimize losses. Responsibilities Contact viable leads and existing clients to identify and pursue new lending opportunities Understand and effectively articulate the credit union’s products, services, and value propositions Network and build strong centers of influence (COIs) to generate opportunities aligned with growth strategy Build, maintain and manage relationships within an assigned book of business; aim for deposit growth objectives while ensuring excellent member service Maintain professional, prompt communications throughout the loan process with COIs, applicants, vendors, colleagues Manage the portfolio: renewals, modifications, etc. Evaluate, analyze, and interpret financial data to assess creditworthiness and risks Counsel members during the loan process, negotiate terms, and structure loans appropriately Stay current on market trends to propose competitive financing solutions Ensure all loans comply with internal lending policies and external regulatory requirements Represent the credit union in community and external activities to promote services and enhance public image Collaborate internally to ensure efficient loan processing Perform other supporting duties as needed Requirements Minimum of 3 years’ experience in commercial lending and portfolio management Ability to read and understand tax returns, financial statements, credit reports, and business documents Working knowledge of commercial transaction types: real estate, equipment financing, ownership changes, etc. Understanding of applicable regulatory requirements for commercial lending Ability to work independently, self-starter mentality, and results driven Strong communication and relationship-building skills High school diploma or GED required; bachelor’s degree preferred

Keywords: Cypress HCM, Lexington , Commercial Lending Officer, Accounting, Auditing , Cincinnati, Kentucky