Commercial Credit Approval Officer I

Commercial Credit Approval Officer making final credit decisions on loans. Analyzing complex loan applications and ensuring compliance with underwriting guidelines.

Posted 7/7/2026full-timeMount Laurel • New Jersey, New York, Pennsylvania • 🇺🇸 United StatesSeniorLead💰 $115,440 - $186,160 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates extensive experience in commercial lending, including underwriting and adjudication, with a strong focus on financial analysis and compliance with Federal Banking Regulations. Proven ability to mentor staff and contribute to strategic initiatives while ensuring loan quality metrics are met.

Highest-signal resume keywords

Commercial Lending Relationship ManagementUnderwriting ExperienceFinancial Analysis of Complex LoansCompliance with Federal Banking RegulationsMentorship and Staff Development

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Financial AnalysisLoan UnderwritingCredit Decision AuthorityLending PracticesAudit and Loan ReviewCash Flow AnalysisPolicy and Standards AdjustmentDecision-Making SkillsAnalytical SkillsProblem Solving Skills

Soft Skills

Strong Communication SkillsInterpersonal SkillsTeam OrientationOrganizational SkillsTime Management

Tools & Technologies

Computer LiteracySoftware Programs

Industry Keywords

Small Business Administration LendingHealthcare Practice SolutionsCommercial Loan ApplicationsLending AuthorityFinancial Regulations

About the role

Key responsibilities & impact

Acts as the final decision authority on commercial loan applications
Follows sound lending practices, policies and procedures
Responsible for financial analysis of complex loans/industries/Customers
Contributes to team responsibility for ensuring satisfactory audit, loan review, and other loan quality metrics
Supports Credit Management strategic initiatives
Ensures compliance with established underwriting guidelines, quality and production guidelines, and Federal Banking Regulations
Renders final credit decision within individual lending authority limits
Determines necessary conditions of lending and closing
Acts as a mentor and participates in the ongoing development of the Underwriting Staff
Performs historical business financial analysis and cash flows
Contributes to discussions of policy and standards adjustments

Requirements

What you’ll need

Undergraduate degree preferred
10+ years of relevant commercial lending relationship management, underwriting, and/or adjudication experience
Prior lending authority >/= $1 million preferred
Small Business Administration/Agency, Healthcare Practice Solutions, or other specialty lending experience preferred
Able to operate in a highly professional, systems-based environment
Proven analytical and research skills
Demonstrated problem solving skills and the ability to blend technical knowledge and good business judgment
Proven organizational, multi-tasking, analytical, time management and decision-making skills
Ability to meet deadlines
Strong communication skills, both verbal and written
Strong interpersonal skills and a team orientation
Ability to work with various levels of business partners
Computer literacy with a variety of software programs

Benefits

Comp & perks

health and well-being benefits
savings and retirement programs
paid time off (including Vacation PTO, Flex PTO, and Holiday PTO)
banking benefits and discounts
career development
reward and recognition