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Commercial Lender

Grey Search + Strategy
Saint Cloud, Minnesota
Start date
Apr 25, 2024
Closing date
Dec 31, 2024

View more

Employment Status
Full Time

About the job

About the Company

Our client is a full-service bank and a nationwide leader in small business lending and equipment financing. They believe their people achieve the results, and they are fully invested in their employees. Open communication, a high sense of urgency and an incredible employee stock ownership plan (ESOP) are just a few ways they nurture a highly challenging and rewarding work environment.


About the Role

Responsible for the collection of information for the purpose of generating and granting loan requests for commercial and consumer loans. Responsible for the development of associated business products, as well as for managing a loan portfolio for the express purpose of increasing balances and profit, and decreasing past dues, charge-offs, and other loan problems. Will provide accurate, helpful, and friendly handling of routine and complex transactions, including assisting the bank’s senior management staff, as requested.



  • Develop an on-going personal business development plan that utilizes a structured calling program that generates an agreed-to minimum of new loan growth and fee generation monthly
  • Collect necessary information from loan applicants so loan requests can be understood and properly underwritten; respond to the credit department’s questions pertaining to the underwriting process to determine the credit worthiness of loan applicants
  • Provide information as requested on status of loans in process and approved but not closed (pipeline and backlog report)
  • Make timely decisions on loan applications within granted authorities
  • Maintain accuracy of loan grading, documentation, performance, clearing of exceptions, and follow-up on all loans in assigned portfolio
  • Actively work existing customer base for referrals that garners new business from prospects and existing customers alike
  • Maintain a list of delinquent accounts within the personal portfolio and maintain a log of collection efforts; contact delinquent accounts via telephone, personal visits or correspondence; forward irreconcilable accounts for collector action or pursue legal action
  • Monitor loan repayment for loans in assigned portfolio and take necessary action to collect past due loans
  • Participate in community activities for the purpose of increasing the bank’s visibility and to seek out new business opportunities
  • Promote bank services, seek out referral opportunities (including consumer loans), answer customer questions, and direct customers to the appropriate personnel for assistance
  • Strive to create goodwill with customers and co-workers for the purpose of fostering teamwork, and the creation of business opportunities
  • Maintain a working knowledge of all legal and regulatory compliance issues as they pertain to this position
  • Loss prevention and security as applicable to this position


Education & Experience

  • Bachelor’s degree from a four-year college or university preferred, but will consider experience in lieu of degree
  • 3–5 years’ experience in commercial credit and/or lending preferred


Skills & Abilities

  • Relationship management skills for commercial, small business, and personal relationships
  • Highly developed analytical and underwriting expertise and a credit quality focus
  • Portfolio management experience preferred
  • Strong oral and written communication skills
  • Proficient computer skills
  • Excellent customer service skill

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