Commercial Lender

About the role

Center Bank is a family-owned and woman-owned community-oriented bank serving Litchfield, Plymouth and Chaska, Minnesota. The Commercial Loan Officer develops new business, underwrites, structures and closes commercial loans, maintains and services a commercial loan portfolio, and represents the bank in the market area through community involvement.

Responsibilities

• Interview applicants to determine loan requirements and gather pertinent information for loan applications.
• Conduct initial analysis of applicant's financial status, credit, and asset evaluation to determine feasibility of granting loan.
• Work with Credit Analyst Department to prepare financial analysis and credit display.
• Listen and ask questions of applicants to understand the applicant's business and determine proper loan structure.
• Structure loans within loan policy.
• Approve loan within specified limits or champion loan opportunities to the credit department and/or Committee for proper approval.
• Prepare financing proposals consistent with approval for presentation to the applicant.
• Review loan documentation prior to closing for completeness and acceptance by the applicant.
• Ensure timely loan closing and funding activities.
• Maintain a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations.
• Actively participate in community and professional organizations and events.
• Manage loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring.
• Use experience and sound judgment to plan and accomplish goals.

Qualifications

• Minimum of 3 years’ experience in Commercial Lending, with preference for existing experience within the service area.
• Credit training/experience required.
• Bachelor’s Degree in Business or related area.
• Ability to generate $4‑$6 million in new loan growth annually.

Skills

• Ability to present, sell and service bank products and demonstrate professional knowledge of commercial lending.
• Good judgment in establishing and maintaining working relationships, problem solving, delivering high level of accuracy, focus and timeliness with limited supervision.
• Strong written and verbal communication skills.
• Proficiency in Microsoft Office Suite.
• Ability to read, analyze, and interpret policies, contracts, credit and financial documents, and other legal documents as needed.
• Strong analytical and mathematical capabilities.
• Understanding of credit underwriting and loan documentation.