Commercial Loan Officer at On Tap Credit Union – Golden, Colorado

At On Tap Credit Union, we’re not just funding businesses — we’re fueling growth in the communities we serve. We’re looking for a driven, relationship-focused Commercial Loan Officer who thrives on building connections, generating new business, and delivering smart, consultative financial solutions.

If you’re passionate about business development, credit analysis, and becoming a trusted advisor to your clients — this role is for you.

What You’ll Do

Drive Business Growth

• Generate new commercial lending opportunities through networking, referrals, and community involvement
• Build strong relationships with business members, prospects, and key partners (CPAs, attorneys, brokers, etc.)
• Identify and develop deposit and treasury relationships alongside lending opportunities
• Represent the Credit Union at community and industry events

Originate & Structure Loans

• Evaluate borrower financials, creditworthiness, and repayment capacity
• Structure loan terms and make sound credit decisions within authority
• Prepare and present loan packages, including financial analysis and risk assessments
• Coordinate loan documentation and ensure efficient, timely closings

Manage & Grow Your Portfolio

• Maintain a high-quality commercial loan portfolio (typically under $10MM in relationships)
• Monitor financial performance, including statements, tax returns, and cash flow
• Proactively identify and mitigate credit risk
• Ensure compliance with loan covenants and reporting requirements

Deliver Exceptional Member Experience

• Act as a trusted advisor to business members, providing tailored financial solutions
• Build long-term relationships that support member success and loyalty

Support Risk & Compliance

• Assist with problem loan resolution and risk mitigation strategies
• Ensure compliance with all applicable regulations (BSA, OFAC, USA PATRIOT Act)
• Maintain accurate and complete loan documentation

What Makes You a Great Fit

• You’re a natural relationship builder who enjoys being active in the community
• You think like a business partner, not just a lender
• You’re confident analyzing financials and structuring deals
• You balance growth with strong credit discipline
• You thrive in a fast-paced, goal-oriented environment
• Passionate about beer is a plus!

Qualifications

• Bachelor’s degree in finance, business, or related field (preferred)
• 3–5+ years of experience in commercial lending, credit analysis, or business banking
• Strong knowledge of financial statement analysis, cash flow, and credit structuring
• Experience with loan origination systems and financial analysis tools preferred

Why Join On Tap Credit Union?

• Be part of a growing, community-focused organization
• Opportunity to build your own portfolio and market presence
• Collaborative, team-oriented culture
• Ability to make a meaningful impact on local businesses

Compensation

Base salary $70k to $85k dependent upon skills and experience + incentive/commission (no cap) structure designed to reward production, performance, and relationship growth – and awesome benefits!

Ready to help businesses grow and make an impact in your community? Apply today and join the On Tap team.