Citizens Alliance Bank

Willmar Lakes Area Chamber of Commerce; Minnesota; On-site; USD 120,000 - 190,000; Full time

Job summary

Citizens Alliance Bank in the Twin Cities area seeks a VP Commercial Loan Officer to manage an existing portfolio and originate new relationships. You will underwrite, structure, and close loans, analyze financials, and prepare credit memos while ensuring compliance with policies and regulations.

The role emphasizes risk management, cross-selling, and collaboration with credit and operations to deliver superior client service.

Qualifications

• Three years of related commercial banking experience.
• Bachelor’s degree in business, finance, accounting, or related field preferred.
• Proficiency in Microsoft Office Suite.
• Experience with SBA, CRE or C&I lending and financial modeling preferred.

Responsibilities

• Proactively develop new commercial relationships through networking, referrals, and targeted outreach.
• Foster referral and participation networks and cross-sell bank products and services.
• Originates commercial loans and grows deposits.
• Underwrite, structure, document, and close commercial loans.
• Analyze financial statements, cash flows, tax returns, and collateral to assess creditworthiness.
• Prepare credit memoranda and approve credits within lending authority.
• Monitor portfolio performance and manage risk; recommend workout strategies as needed.
• Maintain knowledge of lending policies, regulatory requirements, and BSA/AML obligations.
• Ensure loan documentation and processes comply with internal controls.
• Collaborate with credit, operations, and other departments to deliver excellent customer service.
• Travel for trade and industry schools and seminars as needed.

Skills

SBA lending experience

CRE/C&I lending experience

Financial modeling

Microsoft Office

Education

Bachelor’s degree in business, finance, accounting, or related field

High School diploma or GED

Tools

Microsoft Excel

Job description

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.

The level of this position is based on years of service, education and/or equivalent experience, knowledge level and skill set.

To perform this job successfully, the individual must be able to perform each essential function and skill satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Essential Functions:

1. Proactively develop new commercial relationships through networking, referrals, and targeted outreach.
2. Foster referral and participation networks and cross-sell bank products and services.
3. Through relationship development, originate commercial loans and grow deposits.
4. Underwrite, structure, document, and close commercial loans across a variety of products.
5. Analyze financial statements, cash flows, tax returns, and collateral to assess creditworthiness.
6. Prepare clear credit memoranda and approve credits within this position's individual lending authority or present loan requests to approval authorities.
7. Monitor portfolio performance and proactively manage risk; recommend workout strategies as needed.
8. Maintain current knowledge of lending policies, regulatory requirements, and BSA/AML obligations.
9. Ensure loan documentation and processes comply with internal controls and regulatory guidance.
10. Collaborate with credit, operations, and other departments to deliver excellent customer service.
11. Assist colleagues and contribute to team goals.
12. All employees are expected to exemplify and follow our core values.
13. Regular attendance and punctuality when reporting to work.
14. Travel for trade and industry schools and seminars as needed.
15. This position may require the employee to install and use Multi-Factor Authentication (MFA) apps on the employee's personal mobile device; MFA apps are used to authenticate a user’s identity to the system for security purposes.
16. Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank's policies and procedures.
17. The employer reserves the right to revise this job description at any time. This document is not a contract of employment.
18. Perform other duties as assigned.

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.

Education and Experience:

Required - High School diploma or GED, Etc.

Required - Continuing Education to maintain job knowledge.

Required - Three years of related commercial banking experience.

Preferred - Bachelor’s degree in business, finance, accounting, or related field.

Preferred - Five to ten years of related commercial banking experience.

Preferred - Proficiency in Microsoft Office Suite.

Preferred - Experience with SBA, CRE or C&I lending and financial modeling skills preferred.

The employer has the right to revise this position description at any time. The position description is not a contract for employment.

Citizens Alliance Bank is an Equal Opportunity Employer.All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual preference or orientation, gender identity, gender expression, national origin, disability, veteran status and all other protected classes.

Additional Postings available from Citizens Alliance Bank