Commercial Lender

Position- Commercial Lender

Mode- Hybrid

Location- Elk River MN

SUMMARY

This position is responsible for developing and managing a quality commercial loan portfolio. Provide exceptional customer service while managing all aspects of the borrowing relationship. Identify opportunities to broaden customer relationships and actively cross-sell the bank s retail products and services to generate additional revenue. This position requires a strong knowledge of business cash cycles and cash flow analysis.

QUALIFICATIONS

To perform this job successfully the individual must be able to perform each essential duty satisfactorily. The requirements listed above are representative of the knowledge skill and ability required.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Possess a solid understanding of various types of business borrowers. Fully understand business cash cycles debt service and cash flow. Possess the knowledge and skills to review and underwrite complex commercial loan requests.
• Possess the drive and ability to successfully market the bank and develop new business leads and quality loan business.
• Identifies commercial loan opportunities with new and existing customers and actively develops solutions to meet customer loan needs and expectations. Achieves bank loan growth yield and portfolio quality goals and objectives. This includes collecting reviewing and analyzing financial statements and tax returns as part of the loan underwriting process. Identifies what bank products and services best meet the customer s needs and financial circumstances and makes recommendations.
• Understands SBA products and programs.
• Manages current customer relationships to ensure adequate review and oversight which includes proper risk analysis and loan repayment performance.
• Monitors customer reporting covenants to minimize loan file exceptions. Maintains current loan file financial information including financial statements tax returns borrowing base certificates titles liens and insurance policies.
• Actively calls on existing customers and potential customers to generate new loans to support bank loan growth yield and portfolio objectives.
• Represents the bank in the communities we serve by participating in public events volunteering or serving on non-profit organizations committees boards and area Chambers of Commerce.
• Serves as requested on bank committees and present information to committees and groups of co-workers.
• Required reliable attendance is required.

EDUCATION/EXPERIENCE

Bachelor s degree (BA) from a 4-year college or university and a minimum of 2-5 years commercial lending experience and/or the equivalent combination of education and experience.