SR COMMERCIAL LOAN OFFICER - COMO (ST. PAUL)

About the role

Service and maintain a portfolio of a variety of commercial loan accounts. Interview, assess, and analyze prospective loan clients and their financial position. Establish new business loan and deposit prospects through sales calls, networking, and referral base. Grant new loans according to bank guidelines and loan policy.

Responsibilities

• Collects and analyzes financial and related data to determine the credit worthiness of the borrower within the parameters of the bank’s loan policies.
• Establishes and negotiates the terms under which credit will be granted to comply with loan underwriting guidelines.
• Solicits business from new and existing customers; actively seeks out, identifies, and solicits commercial loan business consistent with the bank’s objectives to increase the commercial loan and deposit relationship portfolio.
• Ensures proper loan documentation is executed to provide the bank with a valid promissory note and security interest in collateral.
• Develops deposit and treasury management relationships.
• Provides excellent customer service.
• Manages individual loan portfolio including collections and restructuring of problem loans.
• Reviews existing loan portfolio for documentation exceptions and periodic financial statements.
• Refers clients and prospects to “non-bank” investment, insurance, and mortgage-related services.
• Performs other responsibilities and special projects, as requested.
• Demonstrates the ability to work effectively with AI tools and maintains an open, curious approach to emerging technologies.

Supervisory Responsibilities

• Will demonstrate leadership and provide coaching to loan team, including Portfolio Managers, Business Banking Assistants, and Team Members.
• No direct reports.

Requirements

• College degree in business-related field required.
• Previous financial industry experience required.
• Strong sales skill set.
• Previous credit analysis experience beneficial.
• Comprehensive skill set in the use of Microsoft Excel, Word, and Outlook.
• Dale Carnegie sales training beneficial.
• CRE and C&I lending experience preferred.
• Commercial Lending Academy beneficial.
• SBA Experience preferred.

Commercial lending experience expectation, as follows:

• Senior Commercial Loan Officer: Commercial credit experience fifteen (15) years plus preferred; supervisory responsibilities, positive messaging, ability to lead and close complex lending structures or specialized facilities.

Competencies

• Alignment w/Sunrise Core Values
• Adaptability
• Communication
• Compliance
• Dependability & Flexibility
• Initiative
• Integrity
• Judgement
• Organizational Skills
• Productivity
• Professionalism
• Quality Service
• Teamwork
• Technical /PC Skills
• Work Quality

Pay

Salary range DOQ: $106,419 - $152,027 - $197,635 plus a discretionary incentive bonus based on production goals.

Benefits

• Medical, Dental, Vision
• FSA
• Life, AD&D
• STD, LTD
• Pet insurance
• PPL (Paid Parental Leave)
• 401k
• PTO (Paid Time Off)
• PVTO (Paid Volunteer Time Off)