Commercial Lender

Key Community Bank; Inver Grove Heights (MN); On-site; USD 75,000 - 95,000; Full time

Job summary

Key Community Bank is looking for an experienced Commercial Lender based in Inver Grove Heights, Minnesota. This role involves developing and managing a high-quality portfolio of commercial and real estate relationships, focusing on business development and credit structuring.

The ideal candidate will be responsible for analyzing financial statements, preparing credit recommendations, and ensuring compliance with bank policies. Furthermore, the role emphasizes building long-lasting relationships with clients and active community involvement.

Qualifications

• Experience in developing new commercial relationships.
• Strong analytical skills to evaluate credit requests.
• Knowledge of banking regulations and loan policies.

Responsibilities

• Develop and manage a portfolio of commercial relationships.
• Analyze financial statements to recommend loan structures.
• Monitor loan portfolio for credit quality and compliance.

Skills

Business development

Credit analysis

Relationship management

Financial underwriting

Job description

Key Community Bank is seeking an experienced Commercial Lender to join our team in Inver Grove Heights, Minnesota. The Commercial Lender will be responsible for developing and managing a high-quality portfolio of commercial and commercial real estate relationships, including business development, credit structuring, underwriting support, and ongoing portfolio management in alignment with our community bank culture.

About Key Community Bank

Key Community Bank is a locally owned, relationship-focused community bank headquartered in Inver Grove Heights, MN. We serve small and mid‑sized businesses, commercial real estate investors, and local professionals with tailored credit, deposit, and treasury solutions. Our culture emphasizes responsive decision‑making, direct access to local leadership, and a conservative yet growth‑oriented credit philosophy.

Key Responsibilities

• Proactively develop new commercial and commercial real estate relationships within our market through calling, networking, centers of influence, and community involvement.
• Build and maintain long‑term relationships with business owners, real estate investors, and professional firms, serving as a trusted advisor on financing and banking needs.
• Interview prospective borrowers, gather financial information, and evaluate credit requests for working capital, equipment, owner‑occupied and investor real estate, and other commercial purposes.
• Analyze financial statements, tax returns, rent rolls, and cash‑flow projections; recommend appropriate loan structures, terms, and covenants consistent with bank policy and risk appetite.
• Prepare and present clear, well‑supported credit recommendations in accordance with bank policies, procedures, and regulatory requirements.
• Work closely with credit administration and loan operations to ensure accurate documentation, timely closing, and proper booking of new and renewed loans.
• Monitor an assigned loan portfolio for credit quality, covenant compliance, maturities, renewals, and past‑due relationships; take proactive steps to address emerging credit issues.
• Cross‑sell deposit, treasury/cash management, and other bank products to deepen relationships and improve profitability.
• Maintain current knowledge of applicable banking regulations, loan policy, underwriting standards, and documentation requirements.
• Actively represent Key Community Bank in community, civic, and professional ...