Starting a new role as a commercial lender requires a structured approach to quickly understand the lending portfolio, client needs, and internal processes. This 30-60-90 day plan provides a clear roadmap to help new commercial lenders establish themselves, build key relationships, and contribute to loan origination and portfolio management effectively.
With this plan, commercial lenders can:
- Set targeted objectives aligned with loan production goals and risk management policies
- Track progress on client outreach, credit analysis skills, and compliance training
- Develop competencies in underwriting, loan structuring, and portfolio monitoring
Whether you are joining a new financial institution or stepping into a commercial lending role for the first time, this customizable template equips you with the tools to succeed.
Benefits of a 30-60-90 Day Plan for Commercial Lenders
Implementing a structured onboarding plan helps commercial lenders:
- Gain a comprehensive understanding of the institution's lending products, policies, and market focus
- Build relationships with internal teams such as credit risk, underwriting, and compliance, as well as with clients and referral partners
- Accelerate loan pipeline development through strategic prospecting and client engagement
- Establish credibility and trust with stakeholders by demonstrating knowledge and proactive communication
Main Elements of the Commercial Lender 30-60-90 Day Plan
This plan is divided into three key phases, each with specific goals and tasks:
First 30 Days
Focus on onboarding essentials, including completing compliance training, understanding loan products, and meeting key team members. Begin reviewing existing loan portfolios and shadow experienced lenders to learn best practices.
Next 30 Days (Days 31-60)
Start engaging with clients and referral sources, conducting credit analyses, and preparing loan proposals under supervision. Attend industry events and deepen knowledge of market trends affecting commercial lending.
Final 30 Days (Days 61-90)
Take ownership of loan origination activities, manage client relationships independently, and contribute to portfolio growth targets. Continuously monitor loan performance and collaborate with risk management to ensure compliance.
Throughout the plan, document progress, challenges, and feedback to facilitate ongoing development and alignment with management expectations.
