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We are looking for an experienced VP Commercial Loan Officer to grow and manage a commercial lending portfolio in a Minnesota market. This position combines business development, credit evaluation, and relationship management to support commercial clients while maintaining strong loan quality and profitability. The ideal candidate brings sound lending judgment, a consultative approach to client service, and the ability to identify opportunities for both loan and deposit growth.
Job Responsibility
Develop new commercial banking relationships by prospecting businesses and identifying lending opportunities that align with portfolio goals
Review financial statements, tax returns, and supporting documentation to assess borrower strength and determine appropriate credit solutions
Structure financing proposals that balance client needs with prudent risk management and institutional lending standards
Partner with credit and analysis teams to prepare thorough loan presentations and bring recommendations forward for approval
Participate in credit committee discussions and respond confidently to questions regarding assigned borrowing relationships
Maintain regular contact with existing clients to evaluate changing business needs, deepen relationships, and uncover additional banking opportunities
Monitor portfolio performance by tracking covenant compliance, reviewing higher-risk credits, and identifying signs of deteriorating financial conditions
Ensure renewals, annual reviews, and risk rating updates are completed accurately and within required timeframes
Provide guidance and coaching to branch teams and entry-level lenders on commercial lending, business development, and deposit growth strategies
Support clients and internal partners by addressing commercial banking inquiries and contributing to special projects as needed
Requirements
At least 5 years of commercial lending experience, with a strong background in portfolio development and credit management
Experience in with Commercial Real Estate Lending
Demonstrated knowledge of commercial banking products, lending practices, and credit policy application
Ability to analyze business financial statements, tax returns, and global cash flow to make sound underwriting decisions
Experience presenting credit requests and communicating risk considerations clearly to decision-makers
Proficiency with Microsoft Office, including advanced Excel skills for financial analysis and reporting
Strong written and verbal communication skills, with the ability to manage multiple priorities independently in a fast-paced environment
Sound judgment, problem-solving ability, and a detail-oriented approach to client service and credit-related decisions