How much does a Commercial Loan Officer make in the United States?
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The average Commercial Loan Officer salary in the United States is $142,164 as of March 01, 2026. The range for our most popular Commercial Loan Officer positions (listed below) typically falls between $64,950 and $219,378. Keep in mind that salary ranges can vary widely depending on many important factors, including position, education, certifications, additional skills, and 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's Annual Base Salary
| Job Title | Salary | Hourly Rate | Location | Date Updated |
| Commercial Loan Officer II | $104,048 | $50.02 | United States | March 01, 2026 |
| Commercial Loan Officer I | $75,151 | $36.13 | United States | March 01, 2026 |
| Commercial Loan Officer III | $131,095 | $63.03 | United States | March 01, 2026 |
| Commercial Loan Officer IV | $152,059 | $73.11 | United States | March 01, 2026 |
| Commercial Loan Officer V | $186,801 | $89.81 | United States | March 01, 2026 |
| Commercial Loan Team Leader | $147,703 | $71.01 | United States | March 01, 2026 |
| Commercial Loan Workout Officer III | $128,706 | $61.88 | United States | March 01, 2026 |
| Commercial Loan Workout Officer I | $70,465 | $33.88 | United States | March 01, 2026 |
| Commercial Loan Workout Officer II | $95,448 | $45.89 | United States | March 01, 2026 |
| Commercial Loan Workout Officer IV | $155,662 | $74.84 | United States | March 01, 2026 |
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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. Occasionally directed in several aspects of the work. Gaining exposure to some of the complex tasks within the job function. Typically requires 2-4 years of related experience. View Commercial Loan Officer II SalaryAlternate Job Titles:Commercial Lending Officer II, Intermediate Commercial Loan Officer, Commercial Loan Officer II
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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 closely managed. Works on projects/matters of limited complexity in a support role. Typically requires 0-2 years of related experience. View Commercial Loan Officer I SalaryAlternate Job Titles:Commercial Lending Officer I, Entry Commercial Loan Officer, Commercial Loan Officer I
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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 generally independent and collaborative in nature. Contributes to moderately complex aspects of a project. Typically requires 4-7 years of related experience. View Commercial Loan Officer III SalaryAlternate Job Titles:Commercial Lending Officer III, Senior Commercial Loan Officer, Commercial Loan Officer III
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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. View Commercial Loan Officer IV SalaryAlternate Job Titles:Commercial Lending Officer IV, Specialist Commercial Loan Officer, Commercial Loan Officer IV
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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. Works autonomously. Goals are generally communicated in "solution" or project goal terms. May provide a leadership role for the work group through knowledge in the area of specialization. Works on advanced, complex technical projects or business issues requiring state of the art technical or industry knowledge. Typically requires 10+ years of related experience. View Commercial Loan Officer V SalaryAlternate Job Titles:Commercial Lending Officer V, Expert Commercial Loan Officer, Commercial Loan Officer V
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Leads a team of Loan Officers that originate and manage commercial loans. Originates and manages high-value or complex commercial loans. 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. Supervises a group of primarily para-professional level staffs. May also be a level above a supervisor within high volume administrative/production environments. Makes day-to-day decisions within or for a group/small department. Has some authority for personnel actions. Typically requires 3-5 years experience in the related area as an individual contributor. Thorough knowledge of functional area and department processes. View Commercial Loan Team Leader SalaryAlternate Job Titles:Commercial Lending Operations Supervisor, Lead Commercial Loan Officer, Commercial Loan Team Leader
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Restructures problem loans for commercial clients. Negotiates with lending personnel and commercial borrowers to better secure collateral and/or assets of the borrower. Works with loans of moderate to large size and complexity. Typically requires a bachelor's degree. Typically reports to a manager or head of a unit/department. Contributes to moderately complex aspects of a project. Work is generally independent and collaborative in nature. Typically requires 4 to 7 years of related experience. View Commercial Loan Workout Officer III SalaryAlternate Job Titles:Commercial Loan Restructuring Officer III, Loan Workout Officer, Senior - Commercial, Commercial Loan Workout Officer III
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Restructures problem loans for commercial clients. Negotiates with lending personnel and commercial borrowers to better secure collateral and/or assets of the borrower. Works with small to moderate size loans of little complexity. Typically requires a bachelor's degree. Typically reports to a supervisor or manager. Works on projects/matters of limited complexity in a support role. Work is closely managed. Typically requires 0-2 years of related experience. View Commercial Loan Workout Officer I SalaryAlternate Job Titles:Commercial Loan Restructuring Officer I, Loan Workout Officer, Entry - Commercial, Commercial Loan Workout Officer I
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Restructures problem loans for commercial clients. Negotiates with lending personnel and commercial borrowers to better secure collateral and/or assets of the borrower. Works with loans of moderate size and complexity. Typically requires a bachelor's degree. Typically reports to a manager or head of a unit/department. Gains exposure to some of the complex tasks within the job function. Occasionally directed in several aspects of the work. Typically requires 2 to 4 years of related experience. View Commercial Loan Workout Officer II SalaryAlternate Job Titles:Commercial Loan Restructuring Officer II, Loan Workout Officer, Experienced - Commercial, Commercial Loan Workout Officer II
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Restructures problem loans for commercial clients. Negotiates with lending personnel and commercial borrowers to better secure collateral and/or assets of the borrower. Works with the largest and most complex loans. Typically requires a bachelor's degree. Typically reports to a manager or head of a unit/department. A specialist on complex technical and business matters. Work is highly independent. May assume a team lead role for the work group. Typically requires 7+ years of related experience. View Commercial Loan Workout Officer IV SalaryAlternate Job Titles:Commercial Loan Restructuring Officer IV, Loan Workout Officer, Specialist - Commercial, Commercial Loan Workout Officer IV