How much does a Commercial Loan Officer II make in the United States? The average Commercial Loan Officer II salary in the United States is $99,095 as of April 24, 2024, but the range typically falls between $83,710 and $112,908. Salary ranges can vary widely depending on many important factors, including education, certifications, additional skills, the number of years you have spent in your profession. With more online, real-time compensation data than any other website, Salary.com helps you determine your exact pay target. 

Commercial Loan Officer II Salaries by Percentile
Percentile Salary Location Last Updated
10th Percentile Commercial Loan Officer II Salary $69,702 US April 24, 2024
25th Percentile Commercial Loan Officer II Salary $83,710 US April 24, 2024
50th Percentile Commercial Loan Officer II Salary $99,095 US April 24, 2024
75th Percentile Commercial Loan Officer II Salary $112,908 US April 24, 2024
90th Percentile Commercial Loan Officer II Salary $125,484 US April 24, 2024
25% $83,710 10% $69,702 90% $125,484 75% $112,908 $99,095 50%(Median) Didn’t find job title? Click
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What skills does a Commercial Loan Officer II need?

Each competency has five to ten behavioral assertions that can be observed, each with a corresponding performance level (from one to five) that is required for a particular job.

1.

Analysis: Analysis is the process of considering something carefully or using statistical methods in order to understand it or explain it.

2.

Credit Analysis: Credit analysis is the method by which one calculates the creditworthiness of a business or organization. In other words, It is the evaluation of the ability of a company to honor its financial obligations. The audited financial statements of a large company might be analyzed when it issues or has issued bonds. Or, a bank may analyze the financial statements of a small business before making or renewing a commercial loan. The term refers to either case, whether the business is large or small. The objective of credit analysis is to look at both the borrower and the lending facility being proposed and to assign a risk rating. The risk rating is derived by estimating the probability of default by the borrower at a given confidence level over the life of the facility, and by estimating the amount of loss that the lender would suffer in the event of default. Credit analysis involves a wide variety of financial analysis techniques, including ratio and trend analysis as well as the creation of projections and a detailed analysis of cash flows. Credit analysis also includes an examination of collateral and other sources of repayment as well as credit history and management ability. Analysts attempt to predict the probability that a borrower will default on its debts, and also the severity of losses in the event of default. Credit spreads—the difference in interest rates between theoretically "risk-free" investments such as U.S. treasuries or LIBOR and investments that carry some risk of default—reflect credit analysis by financial market participants.

3.

Client Relationship: Client relationship managemen is focused on building relationships with clients to ensure that their needs are met, they are satisfied with the services and/or products provided by the company.

Analysis 7.91%
Credit Analysis 1.93%
Client Relationship 1.08%
Others 89.08%

Job Description for Commercial Loan Officer II

Commercial Loan Officer II solicits and services a variety of small to moderate size commercial loans. Performs a due diligence review of potential borrowers, including a risk and financial analysis. Being a Commercial Loan Officer II approves loans within established limits or presents to loan committee for approval. Monitors and maintains existing commercial loan portfolio. Additionally, Commercial Loan Officer II adheres to all regulatory requirements and internal risk and operating policies and procedures. Typically requires a bachelor's degree. Typically reports to a manager. The Commercial Loan Officer II occasionally directed in several aspects of the work. Gaining exposure to some of the complex tasks within the job function. To be a Commercial Loan Officer II typically requires 2 -4 years of related experience. (Copyright 2024 Salary.com)... View full job description

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Salary.com job board provides millions of Commercial Loan Officer II information for you to search for. Click on search button below to see Commercial Loan Officer II job openings or enter a new job title here.

Job Openings for Commercial Loan Officer II
  • Successful rural Montana Bank is in need of a friendly and professional Ag / Commercial Loan Officer to add to their talented team in Fairfield, MT.   Ag L...
    - 1 Day Ago
  • Job Title. Commercial Loan Officer. Department. Commercial Lending. FLSA Status. Non-Exempt. Reports to. SVP, Commercial Loan Manager. Commercial Loan Offi...
    - 1 Day Ago
  • Terrydale Capital is in need of a Commercial Loan Officer to join our growing team. We are actively searching for a dedicated and efficient Commercial Loan...
    - 1 Day Ago
  • Our client is a great community in the Sioux Falls market and they're looking for a strong commercial lender with some great experience to join their team....
    - 3 Days Ago
  • We are currently seeking a Commercial Loan Officer to join our team at Cornerstone Lending Group, a mortgage brokerage specializing in multifamily, commerc...
    - 4 Days Ago

Career Path for Commercial Loan Officer II

A career path is a sequence of jobs that leads to your short- and long-term career goals. Some follow a linear career path within one field, while others change fields periodically to achieve career or personal goals.

For Commercial Loan Officer II, the upper level is Commercial Loan Officer III and then progresses to Commercial Loan Officer IV.

Those that have already made the climb...
Pamela J. Shelley-Kessler, Co-President, Chief Financial Officer and Corporate Secretary
LTC is a real estate investment trust (REIT) investing in seniors housing and health care properties primarily through sale-leasebacks, mortgage financing, joint-ventures and structured finance solutions including preferred equity and mezzanine lending. LTC's investment portfolio includes 208 properties in 27 states wi... More
Fiscal Year Ended in 2022
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Commercial Loan Officer II salary varies from city to city. Compared with national average salary of Commercial Loan Officer II, the highest Commercial Loan Officer II salary is in San Francisco, CA, where the Commercial Loan Officer II salary is 25.0% above. The lowest Commercial Loan Officer II salary is in Miami, FL, where the Commercial Loan Officer II salary is 3.5% lower than national average salary.

City, State Compared to national average
City, State San Francisco, CA Compared to national average
+ 25.0%
City, State Washington, DC Compared to national average
+ 11.3%
City, State Miami, FL Compared to national average
-3.5%
City, State Chicago, IL Compared to national average
+ 4.9%
City, State Boston, MA Compared to national average
+ 12.1%
City, State New York, NY Compared to national average
+ 16.8%
City, State Dallas, TX Compared to national average
-1.3%

Take just three simple steps below to generate your own personalized salary report

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Understand the total compensation opportunity for a Commercial Loan Officer II, base salary plus other pay elements

Average Base Salary

Core compensation

 
 
 
83710
112908
99095

Average Total Cash Compensation

Includes base and annual incentives

 
 
 
88314
123405
107434
These charts show the average base salary (core compensation), as well as the average total cash compensation for the job of Commercial Loan Officer II in the United States. The base salary for Commercial Loan Officer II ranges from $83,710 to $112,908 with the average base salary of $99,095. The total cash compensation, which includes base, and annual incentives, can vary anywhere from $88,314 to $123,405 with the average total cash compensation of $107,434.
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83710
112908

 

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Skills associated with Commercial Loan Officer II: Risk Analysis, Commercial Customer Development, Loan Origination, Lending Regulatory Compliance ...More

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Commercial Loan Officer II Salary in United States
Commercial Loan Officer II Salary Graph, Regional Distribution and Summary