Business Banker

Falcon National Bank; Richmond (MN); On-site; USD 70,000 - 90,000; Full time

Job summary

Falcon National Bank in Richmond, MN is seeking a Business Banker to solicit, underwrite, and close complex commercial loans. You will manage a growing portfolio, build client relationships, and ensure compliance with lending policies and regulatory standards.

The role emphasizes credit analysis, negotiations, and collaboration across bank departments to support growth and profitability in the local market. In-office position with potential for commission-based incentives.

Qualifications

• 2-5 years of experience in commercial lending or related finance experience.
• 4 years of post-secondary education in business or finance preferred.
• Advanced experience in financial statement and tax return analysis.

Responsibilities

• Engage in business development activities and solicit new business.
• Develop and retain commercial business and meet with prospective customers.
• Interview prospective applicants and request information for loan/credit applications.
• Perform pre-qualification assessment and analysis of financial condition and risk.

Skills

Commercial lending experience

Financial analysis

Advanced math skills

Strong communication

Time management

Education

4 years post-secondary education in business/finance

Tools

Microsoft Office Suite

Bank software

Job description

Career Details

Full-Time 22 Central Ave S, Richmond, MN 56368 Posted on 10/14/2026

At Falcon National Bank, we are passionate about helping our customers and the communities where we live and work. This is accomplished by finding talented individuals who share in our Mission of building life‑long relationships, our Vision of growth and success, and our Values of high integrity and reliable execution. Falcon National Bank is currently looking for a Business Banker to join Falcon National Bank.

Position Overview

The Business Banker is responsible for soliciting, structuring, negotiating, underwriting, and coordinating the closing of complex commercial and business loans in accordance with lending policies and procedures. You'll manage and grow a portfolio of commercial clients, building strong relationships while maintaining sound credit quality and identifying opportunities to support their evolving business needs. The Business Banker actively develops new business opportunities and deepens existing client relationships to support the Bank’s long‑term growth and financial performance. The Business Banking Department delivers high‑quality service across the full lifecycle of bank products, including underwriting, origination, closing, and ongoing service. The department works collaboratively with other bank departments to support daily operations and activities arising from both direct and indirect customer interactions. All transactions are executed with a strong focus on efficiency, timeliness, accuracy, and regulatory compliance.

Position Duties & Responsibilities

• Engage in business development activities and solicitation of new business.
• Develop and retain commercial business and meet with prospective customers.
• Interview prospective applicants and request specified information related to loan or credit application.
• Perform pre‑qualification assessment and analysis of financial condition and risk of financing requests.
• Gather and analyze all information necessary to present a financing request to senior management or Loan Committee.
• Coordinate processing of approved loans, ensuring loans are processed according to agreement.
• Ensure that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
• Ensures that certification or deletion of collateral is made by the appropriate personnel.
• Negotiate, underwrite, and process renewals of credit facilities.
• Approve loan payments, draws from lines of credit, fund transfers within specified limits and works to collect past due loans.
• Authorize commitment, engagement, action and decline letters.
• Contribute to the overall profitability of the branch and region.
• Consistently apply good decision‑making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures.
• Verify funds with mortgage companies and contractors.
• Review NSF and overdraft reports for customers assigned within their portfolio.
• Utilize expertise in lending and credit analysis, along with communication, interpersonal, and coaching skills, to enhance the team’s skills and grow out commercial loan portfolio.
• Compile data from credit bureaus, conduct industry peer comparisons, perform cash flow analyses and other such tasks and comparisons.
• Additional responsibilities may include participating in the budgeting and strategic planning teams as well as contributing to the formulation, implementation and administration of commercial lending policies and coordinating with other departments to meet the needs of our clients.
• Represent the Bank in various community, civic and community reinvestment functions to further enhance the Bank’s image and develop additional business.
• Reinforce the application of superior customer service.
• Answer telephones, answer question and direct calls to proper Bank personnel.
• Assure compliance with all Bank policies and procedures, as well as all applicable federal and state banking regulations.
• All other duties as assigned.

Education & Experience

• 2-5 years of experience in commercial lending or related finance experience required.
• 4 years of post‑secondary education, business or finance preferred.
• Advanced experience, knowledge and training in financial statement and tax return analysis, typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
• Knowledge of commercial, construction, commercial real estate loan processing.
• Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
• Knowledge of related state and federal lending and compliance regulations, and other Bank lending policies.
• Proven ability to develop marketing and business development skills with customers.
• Proficient with Microsoft products and bank software to meet production needs of the position
• Advanced math skills: calculating interest, commissions, proportions and percentages; balance accounts; add, subtract, multiply and divide in all units of measure using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Exceptional oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others; interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.
• Ability to deal with complex problems involving multiple facets and variables in non‑standardized situations.
• Exceptional organizational and time management skills.
• Ability to work with no supervision while performing duties.
• Current Minnesota driver’s license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities.
• The incumbent must be able to perform this position safely, without endangering health or safety to others
• Must be willing and able to demonstrate Falcon’s mission, vision and values.
• All other duties as assigned

Job Location:

In Office

Pay:

$70,000 - $90,000 / year + commission

Falcon National Bank is committed to equal employment opportunity for all employees and applicants and prohibits discrimination and harassment.

It is the company’s policy to recruit, hire, train, and promote individuals, as well as administer all personnel actions, without regard to race, color, religion, age, sex, national origin, disability status, genetics, public assistance, protected veteran status, sexual orientation, familial status, gender identity or expression, or any other characteristic protected by federal, state, or local laws.