Commercial Lender

We are developing deeper connections between communities and their food systems, and powering the revival of local, sustainable food. We accept deposits from individuals and businesses who want to drive positive and lasting change with their savings. We lend those funds to impact-oriented farms, food businesses, and other sustainability-focused organizations. The word “mutual” in our name means cooperative; we are governed by our depositors, funded by those with a bias towards the long-term, and engineered to endure the test of time.  Building bridges is core to who we are, with the ultimate aim of building a more vibrant, sustainable and inclusive local food system.  

We’re looking for a “Commercial Lender”, but for us, that’s another name for a public ambassador for our mission and brand. We want to differentiate ourselves from other lenders by our passion for food, sustainability, and the region we call home – and we’re looking for a person who shares those values. You will identify as a highly skilled negotiator, adept at swiftly structuring commercial loans and proficient in handling middle market lending relationships, with an average loan size of $750K-$3M+. You will have a strong understanding of alternative credit and underwriting standards and a proven track record in sourcing your own deal opportunities, demonstrating strong business development skills, and consistently maintaining a pipeline of potential clients through strategic networking and referrals. A key aspect of this role will be the ability to prioritize speed to market without compromising on quality or risk assessment.

• Originate, underwrite, and close commercial loans efficiently and effectively with a 12-month origination target north of $30MM.  
• Develop and maintain relationships with clients to understand their financial needs and objectives, leveraging industry expertise to tailor loan solutions accordingly. 
• Structure loan packages tailored to meet the unique requirements of each client while adhering to the bank's lending policies and procedures, quickly and efficiently.  
• Evaluate creditworthiness and risk factors associated with each loan application,utilizing alternative credit and underwriting standards when necessary. 
• Source own deal opportunities through proactive networking, strategic outreach, and participation in industry events. 
• Work collaboratively with internal teams, including credit analysts and loan processors, to ensure seamless loan processing and timely decision-making. 
• Utilize Walden Mutual Bank's concentric circles for referrals, consistently filling the top of the funnel with potential leads and opportunities. 

• Bachelor's degree in finance, business administration, or a related field. 
• Minimum of 6-10 years of experience in commercial lending, with a proven track record of success in originating and closing loans. 
• Expertise in structuring complex commercial loan transactions, particularly in the $1 million range, with limited information. 
• Strong analytical skills and the ability to assess credit risk effectively. 
• Excellent communication and negotiation skills, with the ability to build and maintain relationships with clients and stakeholders. 
• Demonstrated ability to source own deal opportunities and maintain a consistent pipeline of potential clients. 
• Familiarity with banking regulations and compliance requirements related to commercial lending.

• Advanced degree or relevant certifications.
• Lending experience within the food and agriculture industries specifically.

• Health insurance coverage with dental and vision
• Unlimited PTO
• Allocated time for volunteering
• “Quiet” Fridays
• Life and accidental death and disability insurances
• Parental leave policy
• 11 paid holidays
• Walden-branded swag!