Commercial Lender

About the Role

We are seeking an experienced Commercial Lender to join our team in Inver Grove Heights, Minnesota. The successful candidate will develop and manage a high-quality portfolio of commercial real estate relationships, focusing on business development, credit structuring, underwriting support, and ongoing portfolio management in alignment with our community bank culture and risk standards. Candidates with an existing book of business local to the area are preferred.

Responsibilities

• Proactively develop new commercial and commercial real estate relationships within our market through calling efforts, networking, centers of influence, and community involvement.
• Build and maintain long-term relationships with business owners, real estate investors, and professional firms, serving as a trusted advisor on financing and banking needs.
• Interview prospective borrowers, gather financial information, and evaluate credit requests for working capital, equipment, owner-occupied and investor real estate, and other commercial purposes.
• Analyze financial statements, tax returns, rent rolls, and cash-flow projections; recommend appropriate loan structures, terms, and covenants consistent with bank policy and risk appetite.
• Prepare and present clear, well-supported credit recommendations in accordance with bank policies, procedures, and regulatory requirements.
• Work closely with credit administration and loan operations to ensure accurate documentation, timely closing, and proper booking of new and renewed loans.
• Monitor an assigned loan portfolio for credit quality, covenant compliance, maturities, renewals, and past due relationships; take proactive steps to address emerging credit issues.
• Cross-sell deposit, treasury/cash management, and other bank products to deepen relationships and improve profitability.
• Maintain current knowledge of applicable banking regulations, loan policy, underwriting standards, and documentation requirements.

Qualifications

• Bachelor’s degree in Business, Finance, Accounting, or related field, or equivalent banking experience.
• Typically 3-7 years of experience in commercial and/or commercial real estate lending, preferably in a community bank setting. Senior-level candidates with greater experience are encouraged to apply.
• Demonstrated success in sourcing, underwriting, and managing a profitable commercial loan portfolio.
• Strong credit skills, including financial statement and tax return analysis, global cash-flow evaluation, collateral assessment, and risk rating methodology.
• Working knowledge of applicable federal and state lending regulations and commercial loan documentation.
• Proven ability to build relationships and generate business through calling, networking, and referral development.
• Excellent written and verbal communication skills; ability to prepare and present concise credit write-ups and recommendations.
• Proficiency with Microsoft Office (Excel, Word, Outlook) and common banking/loan systems.

Pay

Competitive base salary plus performance-based incentives tied to portfolio growth, quality, and overall contribution.

Benefits

• Comprehensive benefits package including health, dental, vision, life insurance, and retirement plan.
• Opportunities for professional development, credit training, and career advancement within a growing community bank.