Commercial Loan Officer - C&I Lending
ConnectOne Bank, Melville, NY, United States
Job Type
Full-time
About us ConnectOne Bank proves that putting people first is a better way to do business. We’re builders of businesses, communities, and equity, creating opportunities for growth. Founded in 2005, ConnectOne has grown into a high‑performing commercial bank that supports small business owners through technology and world‑class service. Our culture is built on the "People First" philosophy, empowering employees to make decisions, reach their potential, and make an impact.
About this role
The Commercial Loan Officer (CLO) develops new business, broadens existing relationships, underwrites, structures, and closes commercial loans, including those for land, site, construction, C&I, and owner‑occupied transactions, while managing an existing portfolio throughout its lifecycle.
The CLO represents the bank in community affairs, marketing CNOB products, and participating actively in local initiatives.
The CLO maintains the entire portfolio from "Cradle to Grave", ensuring compliance and profitability.
In this role you will
Support CNOB’s "People First" focus by maintaining a professional demeanor and delivering excellent client service.
Source, develop, and underwrite new loans, interim and permanent mortgages, and lines of credit, gathering and analyzing client financial information.
Maximize bank profitability through appropriate pricing, fee income, and cross‑selling bank products and services.
Negotiate terms, structure financing based on risk analysis, and present credits for approval.
Ensure all activities comply with operational, security, and control procedures to prevent fraud and protect customer assets.
Handle client service issues, conduct research, and follow up until resolution.
Review and negotiate all loan documentation for each transaction.
Must haves
Strong people‑first mindset and interpersonal skills.
Knowledge of relevant federal and state banking regulations.
Credit training and thorough knowledge of loan transaction procedures and policies.
Familiarity with bank security and safety practices.
Strong understanding of commercial loan documentation.
Minimum five years of C&I lending experience.
Thorough understanding of federal banking compliance and requirements.
Bonus points for
Working knowledge of Google Apps.
Experience with the nCino loan processing platform.
Bachelor’s degree preferred; on‑the‑job experience is acceptable.
Formal bank credit training.
Benefits
World‑class health, vision, and dental benefits from day one.
401(k) with employer match.
Hybrid work‑from‑home options.
Employee appreciation events (team building, softball games, food truck days).
Employee assistance program (EAP).
Wellness programs (flu shot, preventive care, health discounts).
Tuition reimbursement.
Employee discount perks.
CNOB community service events.
EEO Statement ConnectOne Bank is an equal opportunity employer and does not discriminate with respect to any term, condition, or privilege of employment based on race, color, religion, sex, sexual orientation, gender identity or expression, age, disability, military or veteran status, marital status, or status of an individual in any group or class protected by applicable federal, state, or local law.
Accommodations ConnectOne Bank also provides reasonable accommodations for qualified individuals with disabilities in accordance with the Americans with Disabilities Act and applicable state and local laws. If an accommodation is needed for the job application or interview process, please contact Talent Acquisition.
Salary Description $180,000–$220,000
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About us ConnectOne Bank proves that putting people first is a better way to do business. We’re builders of businesses, communities, and equity, creating opportunities for growth. Founded in 2005, ConnectOne has grown into a high‑performing commercial bank that supports small business owners through technology and world‑class service. Our culture is built on the "People First" philosophy, empowering employees to make decisions, reach their potential, and make an impact.
About this role
The Commercial Loan Officer (CLO) develops new business, broadens existing relationships, underwrites, structures, and closes commercial loans, including those for land, site, construction, C&I, and owner‑occupied transactions, while managing an existing portfolio throughout its lifecycle.
The CLO represents the bank in community affairs, marketing CNOB products, and participating actively in local initiatives.
The CLO maintains the entire portfolio from "Cradle to Grave", ensuring compliance and profitability.
In this role you will
Support CNOB’s "People First" focus by maintaining a professional demeanor and delivering excellent client service.
Source, develop, and underwrite new loans, interim and permanent mortgages, and lines of credit, gathering and analyzing client financial information.
Maximize bank profitability through appropriate pricing, fee income, and cross‑selling bank products and services.
Negotiate terms, structure financing based on risk analysis, and present credits for approval.
Ensure all activities comply with operational, security, and control procedures to prevent fraud and protect customer assets.
Handle client service issues, conduct research, and follow up until resolution.
Review and negotiate all loan documentation for each transaction.
Must haves
Strong people‑first mindset and interpersonal skills.
Knowledge of relevant federal and state banking regulations.
Credit training and thorough knowledge of loan transaction procedures and policies.
Familiarity with bank security and safety practices.
Strong understanding of commercial loan documentation.
Minimum five years of C&I lending experience.
Thorough understanding of federal banking compliance and requirements.
Bonus points for
Working knowledge of Google Apps.
Experience with the nCino loan processing platform.
Bachelor’s degree preferred; on‑the‑job experience is acceptable.
Formal bank credit training.
Benefits
World‑class health, vision, and dental benefits from day one.
401(k) with employer match.
Hybrid work‑from‑home options.
Employee appreciation events (team building, softball games, food truck days).
Employee assistance program (EAP).
Wellness programs (flu shot, preventive care, health discounts).
Tuition reimbursement.
Employee discount perks.
CNOB community service events.
EEO Statement ConnectOne Bank is an equal opportunity employer and does not discriminate with respect to any term, condition, or privilege of employment based on race, color, religion, sex, sexual orientation, gender identity or expression, age, disability, military or veteran status, marital status, or status of an individual in any group or class protected by applicable federal, state, or local law.
Accommodations ConnectOne Bank also provides reasonable accommodations for qualified individuals with disabilities in accordance with the Americans with Disabilities Act and applicable state and local laws. If an accommodation is needed for the job application or interview process, please contact Talent Acquisition.
Salary Description $180,000–$220,000
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