As of August 01, 2026, the average salary for a Commercial Loan Director in the United States is $235,932 per year, which breaks down to an hourly rate of $113.
However, a Commercial Loan Director's salary can vary significantly. Here’s a look at the typical salary range:
Commercial Loan Director Salaries by Percentile
| Annual Salary |
Monthly Pay |
Weekly Pay |
Hourly Wage |
|
|---|---|---|---|---|
| 75th Percentile | $264,825 | $22,069 | $5,093 | $127 |
| Average | $235,932 | $19,661 | $4,537 | $113 |
| 25th Percentile | $218,022 | $18,169 | $4,193 | $105 |
A Commercial Loan Director's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location, education and company size can directly affect your earning potential.
Experience is a primary driver of a Commercial Loan Director's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:
| Job Role | Years of Experience | Average Salary |
|---|---|---|
| Commercial Loan Officer V | 7-10 years | $162,866 |
| Commercial Loan Manager | 10+ years | $164,295 |
| Commercial Loan Senior Manager | 10+ years | $199,079 |
| Commercial Loan Director | 10+ years | $235,932 |
| Vice President of Commercial Lending | 10+ years | $274,774 |
Commercial Loan Director salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $254,018. While startup companies pay approximate $215,285.
| Company Size | Employees | Average Salary |
|---|---|---|
| Startup | 1~50 | $215,285 |
| Growth Stage | 51~500 | $227,627 |
| Established | 501~5000 | $245,384 |
| Enterprise | 5000+ | $254,018 |
Your level of education can impact your salary potential. While many Commercial Loan Director enter the field with a Bachelor's Degree, higher education can lead to more specialized and higher-paying roles.
According to our 100% employer-reported salary data, the median salary for an Commercial Loan Director with a Bachelor's Degree is between $222,810 and $236,549.
| Typical Education for Commercial Loan Director | |
|---|---|
| Degree Level | % of user with this level of education |
| No Diploma | 40.0% |
| High School | 40.0% |
| Associates | 20.0% |
| Bachelors | 40.0% |
| Masters | 40.0% |
| Doctorate | 20.0% |
Understanding how a Commercial Loan Director's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.
| Annual Salary | Monthly Pay | Weekly Pay | Hourly Wage | |
|---|---|---|---|---|
| 75th Percentile | $264,825 | $22,069 | $5,093 | $127 |
| Average | $235,932 | $19,661 | $4,537 | $113 |
| 25th Percentile | $218,022 | $18,169 | $4,193 | $105 |
Promotions are the fastest way to increase your earnings. As a Commercial Loan Director, you have the following paths for advancement. The table below compares the salary raises for common next-step roles. By comparing these figures, you can choose the career path that best meets your financial goals.
| Next Step Role | Estimate Salary | Projected Raise |
|---|---|---|
| VP of Commercial Lending | $274,774 | 16% |
| SVP of Commercial Real Estate Lending | $323,551 | 37% |
Salaries for a Commercial Loan Director can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $170,396 in 2023 to around $164,566 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Commercial Loan Director salary trends, .
| Year | Average Annual Salary |
|---|---|
| 2022 | View More |
| 2023 | $170,396 |
| 2024 | $167,351 |
| 2025 | $164,566 |
| 2026 |
View More
|
| 2027 |
View More
|
Analyze the market and your qualifications to negotiate your salary with confidence.
Search thousands of open positions to find your next opportunity.
Individualize employee pay based on unique job requirements and personal qualifications.
Get the latest market price for benchmark jobs and jobs in your industry.
A Commercial Loan Director's earning potential can vary widely depending on several factors, including location, industry, experience, education, and the specific employer. According to the latest salary data by Salary.com, a Commercial Loan Director earns the most in San Jose, CA, where the annual salary of a Commercial Loan Director is $297,581.
The highest pay for Commercial Loan Director is $291,131.
The lowest pay for Commercial Loan Director is $201,716.
Directs commercial lending strategy and operations to drive sustainable growth and risk management. Establishes commercial lending objectives, policies, and portfolio strategies aligned with business goals. Ensures adherence to lending regulations, internal risk policies, and operating procedures. Oversees managers and lending teams to ensure consistent execution and performance. Evaluates portfolio performance, market trends, and credit risk to guide strategic decisions. Collaborates with senior leaders to align commercial lending objectives with overall organizational strategy. Requires a bachelor's degree. May require Commercial Lending certification or licensure. Typically reports to senior management. Manages a departmental sub-function within a broader departmental function. Creates functional strategies and specific objectives for the sub-function and develops budgets/policies/procedures to support the functional infrastructure. Typically requires 5+ years of managerial experience. Deep knowledge of the managed sub-function and solid knowledge of the overall departmental function.
The Financial Services industry offers the highest average compensation for Commercial Loan Director roles, with salaries approximately 50% above the market median.
Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.
We offer detailed salary information across multiple percentiles for your reference. (Click here to learn Why the Salary Midpoint Formula Is Crucial for Achieving Pay Equity.)
With the most extensive online, real-time compensation data available, Salary.com helps you pinpoint your exact pay target.
Salary.com's CompAnalyst platform offers: