Job Description

Commercial Loan Officer - North American Middle Market

Job Summary

WorldBusiness Capital, Inc. (WBC) is seeking a dynamic, results-driven Commercial Loan Officer to join our growing Commercial Lending Team. The Commercial Loan Officer will identify and close long-term loans to middle market companies in the United States and Mexico that are expanding to take advantage of growth, supply chain, near-shoring, and international trade agreement opportunities.

Target borrowers include businesses and projects in the following sectors: manufacturing, distribution, logistics, transportation, food processing, packaging, consumer products, renewables, and financial intermediaries.

About WorldBusiness Capital, Inc.

WBC is a private commercial finance company and direct lender staffed by professionals with many years of experience in corporate, trade, and project finance. Our company has a proven track record of successfully closed loans in the United States and Mexico. We are an active originator, servicer, and seller of commercial loans under various government guarantee programs including USDA Business & Industry, Mexico’s Bancomext, and U.S. International Development Finance Corporation (DFC). WBC is licensed and regulated by the Connecticut Department of Banking.

WBC is based in Hartford, Connecticut and offers a hybrid in-office/remote work environment. The position reports to WBC’s Chief Lending Officer.

Position offers top-of-the-market base compensation and benefits, a cash bonus program tied to accepted loan proposals and timely loan closings, and opportunities for professional advancement. Initial title to be determined based on experience.

Core Responsibilities

• Identify commercial loan opportunities up to $20 million through multiple channels for:
• New facilities, equipment, and permanent working capital.
• Ownership buyouts, recapitalizations, and debt refinancing.
• Acquisitions, joint ventures, and expansion projects.

• Develop loan proposals and negotiate terms and conditions with prospective borrowers.

• Prepare applications and interact with government agencies providing loan guarantees.

• Collaborate with WBC Credit Team on loan underwriting.

• Coordinate with colleagues, borrowers, and legal counsel on documentation and closing processes.

Qualifications

• 5 - 10 years of commercial loan business development, deal structuring, and credit underwriting experience with a recognized institution.

• BA/BS required; MBA and completion of formal credit training program preferred.

• Proven track record of successful loan origination and underwriting in a wide variety of sectors.

• Proven expertise in financial statement analysis, modeling, and projections.

• Experience with government loan programs, trade finance, and foreign lending are a plus.

• Proficiency in business Spanish and willingness to upgrade language skills are a plus.

Skills

• Strong understanding of credit risk assessment and portfolio management principles.

• Strong professional writing and verbal communication skills.

• High comfort level making presentations to build loan pipeline.

• Ability to work independently and as part of a team to achieve goals.

• Proficient in Microsoft Excel and PowerPoint.

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