VP - Commercial Loan Officer Z3

What You’ll Do

• Develop and manage a complex portfolio of diverse, quality, and profitable commercial and commercial real estate loans and deposits, and treasury/cash management services.
• Responsible for loan production including business development, networking, and relationship management.
• Develop and maintain strong relationships with COI's, existing member networks, community leaders, and other partners.
• Analyze and evaluate loan applications and make appropriate recommendations regarding product offerings, loan structuring, pricing, and approval.
• Participate in overall credit/risk management, portfolio management, and servicing of assigned portfolio.
• Ensure compliance with lending policies and procedures.
• Actively collaborate with other Royal Team Members to help meet Members' specific commercial lending, commercial real estate lending, and deposit and treasury/cash management needs.

What’s Needed For This Position

• Bachelor’s Degree in Finance, Accounting, Business, Economics or related field or equivalent business lending work experience
• Three (3) years of Commercial Lending experience
• Must be bondable
• Valid Driver’s License and maintain it
• Insured vehicle
• Expertise in Commercial Lending & Credit Analysis: Strong ability to evaluate financial statements, business plans, and credit risk, including loan structuring, underwriting, and portfolio management.
• Business Development & Relationship Management: Proven ability to generate leads, build networks, and maintain strong relationships with Members, community partners, and centers of influence.
• Analytical & Decision-Making Skills: Advanced critical thinking skills to interpret data, assess risk vs. reward, and make informed, timely decisions in complex situations.
• Communication & Presentation Skills: Excellent verbal and written communication skills to clearly articulate financial solutions, present to committees, and influence stakeholders.
• Technology & Organizational Proficiency: Skilled in using digital banking tools and Microsoft Office applications, with strong time management and the ability to prioritize in a fast-paced environment.
• i.e. Graduate School of Banking, Robert Morris Commercial Lending Courses, CUNA.
• 5-10+ years of Commercial and Commercial Real Estate Lending experience

Work Schedule

• This position is part of Royal's workplace flexibility program and has the ability to be hybrid (2 days remote, 3 days in office) after a few months of training and proficiency in the position.
• When not working remote, the office location is flexible in Edina, MN or at a Royal Minnesota office based on office availability and candidate preference, but will need to make occasional visits to the corporate center as needed for meetings.
• This position requires residency within Royal’s office footprint of Wisconsin and Minnesota.

Training

• Prior to starting a normal work schedule, new Royal team members must attend Foundation Training at our Corporate Center in Eau Claire, WI from 9:00am - 4:30pm on Monday and Tuesday during their first week of employment.
• Out of town learners will be reimbursed costs related to travel and lodging.
• Foundation Training covers fundamental information about Royal’s culture and core values which sets the stage for team members to be successful within our organization.