VP Commercial Loan Offier

Position Summary

The VP Commercial Loan Officer manages an existing commercial loan portfolio and originates new commercial lending relationships within the great Twin Cities metropolitan area. This role underwrites, structures, and closes commercial loans in accordance with the Bank’s policies and applicable state and federal regulations. The officer exercises sound credit judgment and maintains strong customer relationships.

Essential Functions

• Proactively develop new commercial relationships through networking, referrals, and targeted outreach.
• Foster referral and participation networks and cross-sell bank products and services.
• Originate commercial loans and grow deposits.
• Underwrite, structure, document, and close commercial loans across a variety of products.
• Analyze financial statements, cash flows, tax returns, and collateral to assess creditworthiness.
• Prepare clear credit memoranda and approve credits within this position’s individual lending authority or present loan requests to approval authorities.
• Maintain current knowledge of lending policies, regulatory requirements, and BSA/AML obligations.
• Ensure loan documentation and processes comply with internal controls and regulatory guidance.
• Collaborate with credit, operations, and other departments to deliver excellent customer service.
• Absorb and contribute to team goals.

Core Values

• Humility - We are “blue-collar bankers”. We are relatable, down-to-earth people who greet our smallest customer the same way we greet our largest.
• Respectful, Genuine Care for Others - We care about each other, we care about our customers, and we care about our communities.
• Finds A Way - This simply put, is nothing more than attitude. It’s a can-do spirit, a desire to help, to contribute, to go above and beyond, and to make a difference.
• Effort - We expect a lot of ourselves and hold ourselves to a high standard. We are not entitled, and we need to earn it from our customers and each other every day.
• Owning-It - Owning-It or Accountability is a big word that can encompass a great many things. For Citizens Alliance Bank, it’s about ownership. When an employee says they will do something, they follow through and get it done.