Practice Lending Loan Officer (Healthcare Lending)

Accordia Bank is seeking a Practice Lending Loan Officer to grow the Bank's healthcare lending portfolio and expand relationships with medical, dental, and veterinary practice owners. This role is responsible for developing new business opportunities, structuring and closing commercial loans, and building full banking relationships that include lending, deposits, treasury management, and personal banking services.

Responsibilities

• Grow Accordia Bank's market share and healthcare lending portfolio within assigned markets and territories.

• Develop and maintain relationships with physicians, dentists, veterinarians, and other healthcare practice owners.

• Build referral networks with healthcare-focused CPAs, attorneys, practice consultants, equipment vendors, and practice brokers to generate new lending opportunities.

• Identify and structure financing solutions for practice acquisitions, startup financing, partner buy-ins and buy-outs, expansions, equipment purchases, commercial real estate, and working capital needs.

• Educate borrowers throughout the lending process and serve as a trusted advisor for healthcare practice financing decisions.

• Gather, review, and analyze financial documentation, including practice financial statements, tax returns, collections data, payer mix information, and practice valuations.

• Evaluate creditworthiness and prepare loan requests for approval in partnership with the credit team.

• Package and pre-screen loan opportunities to improve underwriting efficiency and credit quality.

• Coordinate closing activities with attorneys, appraisers, practice brokers, and internal stakeholders to ensure timely funding.

• Partner with retail banking and treasury management teams to deepen client relationships and increase deposit growth.

• Monitor existing client portfolios and identify opportunities for refinancing, expansion financing, or additional practice acquisitions.

• Stay informed on healthcare industry trends, practice consolidation activity, and competitive lending developments.

• Maintain compliance with lending regulations, SBA guidelines, fair lending standards, and BSA/KYC requirements.