commercial lending manager

Royal Business Bank

Senior Relationship ManagerJOB SUMMARYResponsible for building strong relationship with customers, identifying potential business opportunities, and generate deposits, loans, and fee incomes. Also is developing a plan to maintain and grow existing relationships and is responsible for developing new relationships that meet Bank's client selectivity and risk appetite.RESPONSIBILITIES<ul><li>Building positive and strong relationships with staff and customers, to develop new clients for the bank.</li><li>Promote various products and in-charge of product sales.</li><li>Interact with customers to understand their businesses and to provide exceptional services to meet their banking needs</li><li>Developing potential business relationships by actively participating local community events or activities.</li><li>Report and communicate with Head of C&amp;I Banking for proactive marketing strategy planning.</li><li>Underwriting support deemed necessary by Manager.</li><li>Perform other duties as assigned.</li></ul>QUALIFICATIONS<ul><li>EDUCATION: Bachelor&rsquo;s degree or equivalent.</li><li>EXPERIENCE: 8-10 years of experience as a Relationship Manager or equivalent. Thorough knowledge of commercial lending, trade finance, and bank products that include cash management, FX, and others.</li></ul>SKILLS/ABILITIES<ul><li>Strong marketing skills, interpersonal abilities, customer service andCommunication skills. Bilingual (English/Mandarin) is a plus.</li></ul>WHY WORK FOR US?Since opening our first branch in Los Angeles in 2008, Royal Business Bank (RBB) has grown rapidly by adding branches in Southern California, Nevada, New York, New Jersey, Chicago and Hawaii. We offer a comprehensive and innovative suite of banking services for individuals and businesses. We have great benefits that include, but not limited to:<ul><li>Medical insurance</li><li>Vision insurance</li><li>Dental insurance</li><li>401(k)</li><li>Disability insurance</li></ul>Royal Business Bank may collect personal information from potential job candidates and applicants. For more information on how we handle personal information and your applicable rights, please review our Privacy Policies (GLBA Privacy Notice, California Consumer Privacy Act and Online Privacy) at our website www.royalbusinessbankusa.com. Royal Business Bank is an Equal Employment Opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.Job Type: Full-timePay: $165,000.00 - $200,000.00 per yearBenefits:<ul><li>401(k)</li><li>401(k) matching</li><li>Dental insurance</li><li>Flexible spending account</li><li>Health insurance</li><li>Health savings account</li><li>Life insurance</li><li>Paid time off</li><li>Referral program</li><li>Vision insurance</li></ul>Work Location: In person

Senior Relationship Manager

Yubi

Develop and implement effective client acquisition strategies for SME and Commercial Lending products. Identify and target potential clients through various channels, including direct outreach, partnerships, and networking. Build and maintain strong relationships with key stakeholders, including brokers, agents, and business owners. Lead, motivate, and manage a team of client acquisition executives to achieve sales targets and business objectives. Provide coaching, training, and support to team members to enhance their skills and performance. Set clear performance goals and monitor progress through regular performance reviews and feedback. Conduct market research and analysis to identify trends, opportunities, and competitive dynamics in the business loan and mortgage sectors. Utilize insights to refine acquisition strategies and improve targeting and messaging. Oversee the client onboarding process, ensuring a seamless and positive experience for new clients. Address client inquiries and resolve issues promptly to maintain high levels of satisfaction and retention. Track and analyse key performance indicators (KPIs) related to client acquisition, conversion rates, and sales performance. Prepare and present regular reports on team performance, market trends, and strategic initiatives to senior management. Ensure that all client acquisition activities comply with relevant regulations and company policies. Implement best practices for risk management and adherence to regulatory requirements.

Deputy Vice President - Unit Head - Client Acquisition

RAKBANK

<div>
 
 
 Senior Vice President, Head of Product - Unsecured Lending, Retail Banking
 
 
 
 
 
 
 
 Overview:
 
 
 
 This role serves as the product leader and P&amp;L owner for
 
 personal loans
 
 , including
 
 microfinance
 
 and
 
 advance against salary
 
 for both expatriates and nationals. The Head of Unsecured Lending Product sets the long-term strategy and roadmap for unsecured lending, driving digital transformation, customer-centricity, and commercialisation of lending journeys. The role is pivotal in balancing growth, risk, and experience to build a profitable, digital-first lending franchise.
 
 
 
 
 
 
 Key Responsibilities:
 
 
 <ul>
 <li>
 
 Strategic Transformation
 
 </li>
 <li>
 Define and own the long-term strategy and roadmap for unsecured lending.
 </li>
 <li>
 Champion digital transformation through automation, analytics, and seamless loan journeys.
 </li>
 <li>
 Lead product innovation with fast, personalized, and commercially viable propositions.
 </li>
 <li>
 
 Financial Performance
 
 </li>
 <li>
 Own the P&amp;L for unsecured lending, optimizing pricing, credit limits, and pre-approved offers.
 </li>
 <li>
 Monitor and improve funnel performance, approval rates, and conversion metrics.
 </li>
 <li>
 Drive portfolio optimization through data-driven testing and strategic partnerships.
 </li>
 <li>
 
 Customer Experience
 
 </li>
 <li>
 Deliver transparent and customer-friendly lending journeys across all channels.
 </li>
 <li>
 Enhance retention and cross-sell through segmentation and personalized campaigns.
 </li>
 <li>
 Embed NPS as a core measure and reduce complaints through rapid resolution.
 </li>
 <li>
 
 Talent &amp; Team Development
 
 </li>
 <li>
 Build and lead a high-performing team with expertise in lending, analytics, and risk.
 </li>
 <li>
 Inspire innovation and commercial focus across cross-functional squads.
 </li>
 <li>
 
 Governance &amp; Risk
 
 </li>
 <li>
 Ensure compliance with UAE Central Bank regulations and internal policies.
 </li>
 <li>
 Lead governance frameworks (RCSA, audits) and mitigate emerging risks.
 </li>
 </ul>
 
 
 
 
 
 Qualifications &amp; Experience:
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Business, Finance, or related field; MBA preferred.
 </li>
 <li>
 10+ years in retail banking product management with direct P&amp;L ownership.
 </li>
 <li>
 Proven success in digitizing loan journeys and embedding automation/analytics.
 </li>
 <li>
 Strong expertise in pricing, limits, pre-approvals, and fraud management.
 </li>
 <li>
 Knowledge of UAE lending regulations and experience with analytics teams.
 </li>
 <li>
 Fluency in English required; Arabic preferred.
 </li>
 </ul>
 
 
 
 
 
 Skills &amp; Competencies:
 
 
 <ul>
 <li>
 
 Technical/Functional Skills:
 
 </li>
 <li>
 Deep knowledge of unsecured lending and risk&ndash;reward trade-offs.
 </li>
 <li>
 Expertise in funnel management, pricing, and digital ecosystems.
 </li>
 <li>
 Skilled in fraud prevention, credit policy, and data-driven decisioning.
 </li>
 </ul>
 
 
 Soft Skills:
 
 
 <ul>
 <li>
 Strategic vision with strong commercial acumen.
 </li>
 <li>
 Leadership and mentoring capabilities.
 </li>
 <li>
 Agility, resilience, and a growth mindset.
 </li>
 <li>
 Strong cross-functional influence and stakeholder management.
 </li>
 </ul>
 
 
 
 
 
 What&rsquo;s In It For You?
 
 
 <ul>
 <li>
 Competitive, performance-linked compensation
 </li>
 <li>
 Medical coverage for you and your family
 </li>
 <li>
 Comprehensive life insurance
 </li>
 <li>
 Inclusive and diverse workplace culture
 </li>
 <li>
 Career development and fast-track growth opportunities
 </li>
 <li>
 Mentorship from seasoned audit professionals
 </li>
 </ul>
 
 
</div>

Senior Vice President, Head of Product - Unsecured Lending, Retail Banking

<div>
 
 
 Associate Vice President - Product Manager, Unsecured Lending - Retail Banking
 
 
 
 
 
 
 
 Overview:
 
 
 
 This role reports to the
 
 SVP &ndash; Head of Unsecured Assets
 
 within the
 
 Retail Banking Division
 
 . The AVP will lead the strategic development, digital transformation, and lifecycle management of unsecured lending products, including
 
 Personal Loans
 
 and
 
 Microfinance / Advance Against Salary
 
 . The role is focused on driving innovation, pricing strategy, funnel optimisation, and risk&ndash;reward outcomes, while ensuring compliance and enhancing customer experience.
 
 
 
 
 
 
 Key Responsibilities:
 
 
 
 
 Product Strategy &amp; Roadmap
 
 
 <ul>
 <li>
 Support the Head of Unsecured Assets in shaping and executing the unsecured lending strategy.
 </li>
 <li>
 Develop a forward-looking roadmap aligned with customer needs, market trends, and regulatory requirements.
 </li>
 <li>
 Execute initiatives that drive digital adoption, growth, and profitability.
 </li>
 </ul>
 
 
 Pricing, Credit &amp; Funnel Management
 
 
 <ul>
 <li>
 Set and manage pricing strategies, credit limits, and pre-approved offers.
 </li>
 <li>
 Collaborate with Risk and Credit teams to balance competitiveness with risk appetite.
 </li>
 <li>
 Monitor and optimise funnel performance across acquisition, drop-off, and conversion.
 </li>
 </ul>
 
 
 Digital Journeys &amp; Transformation
 
 
 <ul>
 <li>
 Lead design and rollout of end-to-end digital lending journeys (e.g., STP, automation).
 </li>
 <li>
 Partner with analytics teams to implement data-driven improvements.
 </li>
 <li>
 Drive commercialisation through digital marketing and personalised offers.
 </li>
 </ul>
 
 
 Growth &amp; Distribution
 
 
 <ul>
 <li>
 Work with sales and distribution teams to boost product adoption.
 </li>
 <li>
 Provide training and insights to enhance sales effectiveness and digital conversion.
 </li>
 <li>
 Collaborate with Marketing on integrated campaigns to maximise acquisition and ROI.
 </li>
 </ul>
 
 
 Customer &amp; Portfolio Management
 
 
 <ul>
 <li>
 Monitor portfolio performance for growth, yield, and risk-adjusted returns.
 </li>
 <li>
 Drive retention, cross-sell, and lifecycle initiatives.
 </li>
 <li>
 Enhance digital customer experience, measured by NPS and complaint reduction.
 </li>
 </ul>
 
 
 Governance, Risk &amp; Fraud Management
 
 
 <ul>
 <li>
 Ensure compliance with UAE Central Bank regulations and internal policies.
 </li>
 <li>
 Own the RCSA for unsecured products.
 </li>
 <li>
 Proactively manage product, operational, and fraud risks.
 </li>
 </ul>
 
 
 
 
 
 Qualifications &amp; Experience:
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Business Administration, Finance, Marketing, or related field. MBA preferred.
 </li>
 <li>
 5&ndash;7 years in retail banking, ideally with UAE personal loan exposure.
 </li>
 <li>
 Proven success in product management, pricing, risk, or digital lending.
 </li>
 <li>
 Strong digital orientation and data/analytics capabilities.
 </li>
 <li>
 Experience with regulated products and credit frameworks.
 </li>
 </ul>
 
 
 
 
 
 Skills &amp; Competencies:
 
 
 <ul>
 <li>
 
 Customer-Centric Mindset:
 
 Passion for digital-first customer journeys.
 </li>
 <li>
 
 Commercial Acumen:
 
 Understanding of unsecured lending profitability drivers.
 </li>
 <li>
 
 Digital &amp; Data:
 
 Skilled in funnel analytics, A/B testing, and transformation.
 </li>
 <li>
 
 Risk Awareness:
 
 Knowledge of credit policy and fraud management.
 </li>
 <li>
 
 Collaboration:
 
 Ability to influence across functions.
 </li>
 <li>
 
 Communication:
 
 Strong stakeholder engagement.
 </li>
 <li>
 
 Initiative:
 
 Proactive and innovation-driven.
 </li>
 </ul>
 
 
 
 
 
 What&rsquo;s In It For You?
 
 
 <ul>
 <li>
 Competitive, performance-linked compensation
 </li>
 <li>
 Medical coverage for you and your family
 </li>
 <li>
 Comprehensive life insurance
 </li>
 <li>
 Inclusive and diverse workplace culture
 </li>
 <li>
 Career development and fast-track growth opportunities
 </li>
 <li>
 Mentorship from seasoned audit professionals
 </li>
 </ul>
</div>

Associate Vice President - Product Manager, Unsecured Lending - Retail Banking

Network International

Job DescriptionAbout us: Network International is the largest Financial Technology company in the Middle East and Africa. Payments is our core business where we provide services in more than 50 countries   UAE, Jordan, South Africa, Egypt are some of our key markets. Apart from payments, we provide services on Data and Insights, Lending, Insurance, Risk Solutions, etc. Our core customers are businesses at every scale and segment, though recently we have been growing in the direct-to-consumer card segment as well.Our EVPAt Network International, every second counts. As a leader in the fast-paced world of financial services, we thrive on innovation, agility, and the relentless pursuit of excellence. We recognize industry trends, the dual nature of technological advancements, and the scarcity of top talent. This is why we prioritize investing in our people.Here, you ll work alongside industry experts to solve complex problems and leverage cutting-edge technology to stay ahead of the competition.We offer a culture where your skills are valued, your growth is prioritized, and your achievements are recognized because winning isn't just our goal; it's our standard.Job PurposeThis role is responsible for defining and executing Network International s global lending strategy. The role will drive embedded finance innovation, expand SME lending capabilities, and deliver scalable, data-driven lending products across our merchant ecosystem. The role demands a visionary leader with deep market insight, strong stakeholder engagement, and a proven ability to execute across diverse geographies.Responsibilities Lending Strategy &amp; Market Leadership Develop and lead the group-wide lending strategy aligned with Network s commercial and digital transformation goals. Drive aggressive growth in loan origination, customer acquisition, and revenue across MENAP and Africa. Analyze market trends, competitor activities, and emerging opportunities to inform strategic decisions. Lead multi-channel sales teams (Tele-Sales, Field Sales, SME Lending) to deliver on regional targets and optimize performance. Business Development &amp; Market Expansion Identify and evaluate new business opportunities, including strategic partnerships and product innovations. Lead efforts to expand the bank s customer base and enhance lending product offerings tailored to merchant needs. Prepare annual business plans, objectives, and budgets; cascade goals to regional teams and monitor execution. Implement market penetration strategies to increase market share and optimize the sales funnel. Embedded Finance &amp; Strategic Partnerships Own commercial relationships with banks (e.g., Wio Bank), fintechs, and financial institutions to deliver embedded lending solutions. Structure and negotiate scalable lending programs integrated into Network s merchant platforms. Secure strategic contracts that enhance market reputation and drive revenue growth. Collaborate with merchant services and regional MDs to align lending solutions with local market dynamics. Digital Lending Enablement Champion the digitization of the lending lifecycle from lead generation to disbursal and repayment. Leverage transaction data and analytics to personalize loan offerings and optimize conversion funnels. Work closely with Product, Data, and Technology teams to enhance platform capabilities and user experience. Develop targeted retention strategies and customer experience initiatives to improve conversion and retention. Governance, Risk &amp; Regulatory Compliance Ensure all business development and lending activities comply with banking regulations, including Central Bank circulars. Identify and mitigate risks associated with new business initiatives and credit programs. Act as the operational risk champion, ensuring robust governance frameworks across jurisdictions. Initiate and propose Risk Acceptance Criteria to streamline credit processes and improve decision-making. Performance Management &amp; Reporting Define and monitor KPIs including loan origination volume, CAC, NPS, delinquency rates, and time-to-disbursal. Monitor credit performance and portfolio health to balance growth with risk. Prepare and present regular reports on business development activities and performance to executive leadership. Oversee team performance, achievements, and strategic project execution across regions. QualificationsMinimum 15 years in SME lending, with at least 5 years in a senior executive role leading regional or global lending initiatives.Proven success in scaling lending operations across emerging markets, especially MENAP and Africa.Demonstrated ability to manage multiple strategic projects simultaneously and deliver measurable outcomes.Deep expertise in merchant lending, POS financing, embedded finance, and revenue-based lending models.Experience with digital lending platforms, data-driven credit models, and ecosystem partnerships.Advanced degree (MBA, MSc, or equivalent) preferred.Exceptional stakeholder management, negotiation, and communication skills.Entrepreneurial mindset with a bias for innovation, execution, and ownership.

Global Head of Lending

PlainsCapital Bank

<div>The Loan Review Analyst is responsible for conducting independent, in-depth evaluations of the Bank&rsquo;s commercial loan portfolio to assess credit quality, risk rating accuracy, and compliance with internal policies and regulatory standards. Additionally, the role contributes to the continuous enhancement of loan review methodologies and collaborates cross-functionally with credit, lending, and risk management teams to support sound credit decision-making and portfolio management. This role requires a strong foundation in financial and/or credit analysis and commercial lending, along with the ability to identify emerging risks and trends across various industries and loan types.</div>
 <div><ul><li>Bachelor&rsquo;s Degree in business or related field required. Strong preference for Finance or Accounting major or concentration; however, equivalent work experience may substitute for a different academic focus.
</li><li>2 to 4 years of experience in loan review, financial analysis, credit review, or financial examinations (e.g., with regulatory agencies or supervisory bodies) required.
</li><li>Demonstrated knowledge across various loan types, but special emphasis on non-owner occupied commercial real estate and C&amp;I borrowers.
</li><li>Excellent verbal, written and interpersonal communication skills.
</li><li>Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.
</li><li>Demonstrated ability to translate complex data into clear, actionable reports for upper management.
</li><li>Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
</li>Must be self-motivated with strong initiative, accountability, and attention to detail. 
<li>
</li></ul>The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.</div>
 <div><ul><li>Conducts routine reviews of diverse loan portfolios, including commercial, equipment, SBA, mortgage, HELOC, and participations, to evaluate asset quality, documentation completeness, and adherence to internal policies and regulatory standards.
</li><li>Consolidates review findings and supporting analyses into clear, concise executive summaries for use by senior management and examiners.
</li><li>Monitors the overall credit health of the loan portfolio, identifying shifts that may warrant changes in lending practices or reclassification of assets.
</li><li>Evaluates internal lending processes such as loan approvals, policy exception tracking, supervisory loan-to-value limits, underwriting practices, covenant monitoring, internal controls, concentration risk reporting, and ALLL methodology.
</li><li>Validates the accuracy, completeness, and quality of loan documentation and financial analysis supporting credit decisions.
</li><li>Assesses the adequacy and effectiveness of the bank&rsquo;s loan policy, recommending updates as needed.
</li><li>Interprets findings and documents conclusions on problem loans; reviews management and resolution strategies, including the effectiveness of loan workout plans.
</li><li>Provides consultative support to loan officers, lending staff, auditors, and examiners by clarifying loan and borrower details, facilitating collaborative discussions to align perspectives, educate stakeholders, and enhance decision-making through shared insights.
</li><li>Contributes to various lending-related initiatives and projects as assigned, supporting strategic goals, process improvements, or regulatory requirements.
</li><li>Performs additional duties as assigned or required.</li></ul></div>

Loan Review Analyst

Rick Steiner Fell & Benowitz LLP

Rick Steiner Fell &amp; Benowitz LLP is seeking an associate attorney to join our busy commercial lending team in New York City. You will have direct client contact with an opportunity to build your skills and engage in client development.Position: Commercial Lending/Real Estate Associate AttorneyLocation: New York City:Experience: 0-3 years of experienceSalary Range: $60,000-$90,000 (or greater if commensurate with experience)Responsibilities &amp; Qualifications Review credit memorandumsReview and analyze due diligence items (organizational documents, title commitments, judgment, litigation and lien searches, etc)Maintaining closing checklists, coordinating closings, preparing signature pages, preparing and reviewing flow of funds memosTrack and manage deadlines and document workflows across multiple active filesIdeal CandidateHighly qualified real estate associate with 1-3 years of law firm experience handling complex and sophisticated lending transactions on behalf of institutional lenders or new attorneys with a demonstrable interest in lending, banking and real estateCandidates should be team players with strong interpersonal skills who are comfortable working in a close-knit, collegial groupCandidates should have experience running deals from inception through closing, including review of diligence materials and drafting and negotiating loan documentsBar Admission in New York, pending application, or ability to waive-in, is requiredTimeline: Interviews will be scheduled for the first week of November with a target start date just before/after ThanksgivingPrior ApplicantsApplicants who have applied for similar positions at the Firm in the last six months will be reconsidered without application and do not need to reapply.Job Type: Full-timePay: $60,000.00 - $90,000.00 per yearAbility to Commute:<ul><li>New York, NY 10004 (Required)</li></ul>Ability to Relocate:<ul><li>New York, NY 10004: Relocate before starting work (Required)</li></ul>Work Location: In person

New/Junior Associate Attorney (Commercial Lending and Real Estate)

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