As of March 01, 2026, the average salary for a Commercial Loan Officer IV in the United States is $129,867 per year, which breaks down to an hourly rate of $62.
However, a Commercial Loan Officer IV's salary can vary significantly. Here’s a look at the typical salary range:
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A Commercial Loan Officer IV'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 Officer IV'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 II | 2-4 years | $97,134 |
| Commercial Loan Officer III | 4-7 years | $115,888 |
| Commercial Loan Officer IV | 7+ years | $129,867 |
| Commercial Loan Officer V | 7-10 years | $162,819 |
| Commercial Loan Manager | 10+ years | $164,062 |
What Am I Worth?
Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Commercial Loan Officer IVs. For example, consider the average annual salaries in these key locations:
Demanded Skills for the Role:
| Skills | Demand Percentage |
|---|---|
| Analysis | 7.86% |
| Commercial Banking | 1.97% |
| Bank Secrecy Act | 1.29% |
| Skill | Salary | Salary % Increase |
|---|---|---|
|
Banking Products
|
$162,334 |
25%
|
|
Loan Origination
|
$155,840 |
20%
|
|
Leadership
|
$149,347 |
15%
|
|
Client Relationship
|
$148,048 |
14%
|
|
Communication Skills
|
$148,048 |
14%
|
|
Economics
|
$145,451 |
12%
|
Your level of education can impact your salary potential. While many Commercial Loan Officer IVs enter the field with a Bachelor's Degree degree, higher education can lead to more specialized and higher-paying roles.
According to our 100% employer-reported salary data, the median salary for a Commercial Loan Officer IV with a Bachelor's Degree is between $131,761 and $142,416).
Commercial Loan Officer IV Salaries by Degree Level
| Degree Level | % of user with this level of education |
|---|---|
| No Diploma | 4.2% |
| High School | 4.2% |
| Associates | 1.4% |
| Bachelors | 51.0% |
| Masters | 42.0% |
| Doctorate | 1.4% |
Understanding how a Commercial Loan Officer IV'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.
Last Updated on March 01, 2026For a Commercial Loan Officer IV, the most direct path to higher earnings is advancing to the Commercial Loan Officer V role. This promotion typically comes with a significant pay increase, bringing the average annual salary to $162,819 - a projected growth of 25% over your current level.
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Compensation PlanningHere are companies hiring for Commercial Loan Officer IV and their salaries, click below for more details.
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A Commercial Loan Officer IV'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 Officer IV earns the most in San Jose, CA, where the annual salary of a Commercial Loan Officer IV is $163,801.
The highest pay for Commercial Loan Officer IV is $144,043.
The lowest pay for Commercial Loan Officer IV is $110,090.
Originates and manages commercial loans to support portfolio growth and profitability. Identifies and solicits new commercial lending opportunities through prospecting, referrals, and existing client relationships. Guides applicants through the approval process and provides product guidance to educate borrowers on loan options. Performs due diligence, analyzing borrower financial statements, cash flow, credit history, and collateral to assess creditworthiness and risk. Structures and recommends loan terms in compliance with credit policy and regulatory requirements. Collaborates with underwriting, credit, and risk teams to facilitate loan approval and closing. Typically requires a bachelor's degree. May require Commercial Lending certification or licensure. Typically reports to a manager. Work is highly independent. May assume a team lead role for the work group. A specialist on complex technical and business matters. Typically requires 7+ years of related experience.
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.)
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