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Commercial Lender – Banking

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Work with one of the best banks in Red Wing, MN allowing you room to grow and earn!

As the Commercial Lender for a privately owned community bank with locations in Southern Minnesota and St. Paul, you will manage and develop a quality portfolio. The winning candidate will have commercial lending or commercial credit experience and a desire to maintain strong customer relationships while building new ones through networking and referrals.

Essential Functions:

· Effectively manages the loan process and all aspects of the borrowing relationship-from origination to booking and collection.

· Act as a relationship manager to existing customers.

· Identifies customer needs and recommends specific products and/or services.

· Analyze, structure, underwrite, price, and negotiate credit requests based on the risk and value of the relationship.

· Manages credit risk in a manner consistent with the loan quality target established by the Chief Credit Officer.

· Accepts loan applications, analyzes financial statements and underwrites credit using Sage Works.

· Negotiates terms, prepares written financial statement analysis for credit presentations package to Loan Committee.

· Ensures loan agreements are complete and accurate according to policy.

· Assures timely loan closing and funding activities / Generate fee income.

· Proactively identify and manage risk through careful review of customer financial statements, overdraft reports, past due loan reports, watch reports, and loan review reports.

· Maintain knowledge and understanding of bank’s loan policies and credit administration procedures and performs all responsibilities according to these guidelines.

· Develop and maintain knowledge of loan related compliance and documentation issues.

· Participates on the Loan Committee (along with other committees as requested) and participates in community activities to promote goodwill and generate additional business.

· Ensure compliance to loan policy, approval guidelines, and regulations.

Education & Experience:

· Bachelor’s Degree from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.

· Minimum 3 years of commercial lending/credit experience, and knowledge of commercial credit and cash management products.

Company offers an excellent base salary + potential bonus with a great book of business with room to grow! If you have a financial analyst background and interested in continuing your career in banking, let’s talk!