What are the responsibilities and job description for the Commercial Lending Officer (Family Office/PE) position at The Premiere Group?
Position Overview
We are seeking a Commercial Lending Officer to play a key role in negotiating and structuring debt financing across a diverse portfolio of businesses and investments. This role will focus on front-end deal negotiation, relationship management with lenders and financial institutions, and ensuring optimal capital structuring to support the growth and financial health of the Family Office's portfolio companies.
The ideal candidate will have experience in commercial lending, underwriting, and debt financing with a strong ability to negotiate favorable loan terms, manage lender relationships, and support financing strategies. While this role requires financial acumen, the emphasis is on deal-making and relationship management rather than back-end analytics.
Key Responsibilities
Debt Structuring & Negotiation
We are seeking a Commercial Lending Officer to play a key role in negotiating and structuring debt financing across a diverse portfolio of businesses and investments. This role will focus on front-end deal negotiation, relationship management with lenders and financial institutions, and ensuring optimal capital structuring to support the growth and financial health of the Family Office's portfolio companies.
The ideal candidate will have experience in commercial lending, underwriting, and debt financing with a strong ability to negotiate favorable loan terms, manage lender relationships, and support financing strategies. While this role requires financial acumen, the emphasis is on deal-making and relationship management rather than back-end analytics.
Key Responsibilities
Debt Structuring & Negotiation
- Lead the front-end negotiation of loan terms, credit facilities, and refinancing with banks and financial institutions.
- Structure and secure financing for acquisitions, capital expenditures, and working capital needs of portfolio companies.
- Maintain strong lender relationships to ensure access to favorable financing options and credit facilities.
- Support capital allocation decisions by determining optimal equity vs. debt financing structures for transactions.
- Partner with investment teams to align financing strategies with broader private equity and family office objectives.
- Oversee the debt portfolio, ensuring compliance with loan covenants, timely servicing of debt, and effective risk management.
- Track credit facilities, asset-backed loans, and other financing arrangements, ensuring proper reconciliation with lenders.
- Monitor lines of credit, floor plans, and manufacturer financing programs, ensuring accurate tracking of asset purchases, disposals, and paydowns.
- Identify and mitigate risks related to interest rate fluctuations, covenant breaches, and liquidity constraints.
- Ensure compliance with lender agreements, debt covenants, and internal financial policies.
- Stay informed on financial regulations, market trends, and economic conditions affecting lending and debt management.
- Prepare and present debt financing packages to lenders, ensuring clear communication of financial metrics and risk mitigation strategies.
- Collaborate with internal teams on financial modeling and scenario analysis to optimize leverage and return profiles.
- 3 years of experience in commercial lending, underwriting, debt financing, or credit analysis.
- Proven ability to negotiate loan terms, manage lender relationships, and structure financing deals.
- Strong knowledge of debt instruments, financial markets, loan covenants, and capital structuring.
- Excellent communication and relationship-building skills, with the ability to interact with lenders, investment partners, and senior leadership.
- Strong organizational skills and ability to manage multiple financing transactions simultaneously.
- Proficiency in excel
- Bachelor's degree in Finance, Economics, Business Administration, or a related field
