Commercial Lender

Minnbankers; Lakeville (MN); On-site; USD 75,000 - 110,000; Full time

Job summary

Citizens Bank Minnesota seeks an experienced Commercial Lender in Lakeville, MN to underwrite, originate, and service commercial and real estate loans while developing strong client relationships.

You will drive loan growth, perform risk analysis, and ensure adherence to policy. Ideal candidates have business/finance background, strong communication, and credit skills, with SBA knowledge encouraged.

Qualifications

• Degree in business or finance related field.
• Understanding of accounting, time value of money concepts, business finance, and business law.
• Proficiency with Excel, Word, Power Point, Microsoft Outlook, and Windows products.
• Mathematical skills.
• Strong written and verbal communication skills.
• Proven sales ability and established referral sources.
• Strong, in-depth credit analysis and risk management skills.
• High level of industry and product knowledge.
• Results orientation—plans, organizes and uses time, technology and resources efficiently.
• Team player—develops and maintains positive working relationships.
• Provides a professional experience for internal and external customers.

Responsibilities

• Underwrite, originate and service all types of commercial and commercial real estate loans.
• Make effective sales calls on customers and prospects and assist in loan and deposit growth goals for the bank.
• Assist clients with preparing business plans, projections, sources/uses of funds.
• Establish structure of loans within framework of loan policy and prudent loan structuring guidelines and extend loans up to the limit of the lending authority granted by the Board of Directors.
• Ensure that proper loan documentation is completed, and handle customer information and files with high level of service. Uphold confidentiality at all times.
• Manage existing relationships by proactively seeking additional business and reviewing maturities.
• Remain current on industry and community information to analyze loan portfolio changes.
• Identify and manage credit risk through analysis of financial statements, overdrafts, past due loans, watch and loan review reports.
• Maintain knowledge of bank products/services and build meaningful client relationships.
• Assist in training and mentoring of new lenders and assist other lenders as needed.
• Participate in bank management by serving on internal committees.
• Understand Loan Policy and compliance requirements; respond to audits and reviews.
• Underwrite and originate SBA loans, understanding eligibility and standards.

Skills

Credit analysis

Risk management

Sales ability

Communication skills

Team player

Education

Bachelor's degree in business/finance

Tools

Excel

Word

PowerPoint

Outlook

Job description

Job Description

Citizens Bank Minnesota is looking for a high performing, experienced, motivated and community focused Commercial Lender who loves working with people and has great attention to detail to take care of clients in our Lakeville branch. The selected candidate will be responsible for Delivering the Ultimate Experience by developing positive, meaningful relationships with new and existing clients. This is an outstanding opportunity to join a trusted financial institution. If you are an upbeat, positive candidate, this is a career worthy of consideration.

Commercial Lender

Citizens Bank Minnesota

18476 Kenrick Avenue, Lakeville, MN 55044

Job Description

Citizens Bank Minnesota is looking for a high performing, experienced, motivated and community focused Commercial Lender who loves working with people and has great attention to detail to take care of clients in our Lakeville branch. The selected candidate will be responsible for Delivering the Ultimate Experience by developing positive, meaningful relationships with new and existing clients. This is an outstanding opportunity to join a trusted financial institution. If you are an upbeat, positive candidate, this is a career worthy of consideration.

Commercial Lender Job Responsibilities:

• Underwrite, originate and service all types of commercial and commercial real estate loans.
• Make effective sales calls on customers and prospects and assist in loan and deposit growth goals for the bank.
• Assist clients with preparing business plans, projections, sources/uses of funds.
• Establish structure of loans within framework of loan policy and prudent loan structuring guidelines and extend loans up to the limit of the lending authority granted by the Board of Directors.
• Ensure that proper loan documentation is completed, and handle customer information and files in a manner that provides high level of external and internal customer service. Provide complete and accurate information to appropriate lending support personnel. Uphold confidentiality at all times.
• Manage existing relationships by proactively seeking additional business, promptly working future maturities, and participating in the annual review process to determine if additional lending needs are present.
• Remain current on relevant industry and community information to ensure proactive analysis of loan portfolio as significant events occur.
• Proactively identify and manage credit risk through careful review of customer financial statements, overdraft reports, past due loan reports, watch reports and loan review reports. Act as work out lender when necessary.
• Maintain product knowledge of all bank products/services and create meaningful customer relationships that attract all of our clients’ financial business.
• Assist in the training and mentoring of new lenders as assigned, and assist other lenders in underwriting, originating and servicing all types of loans as needed.
• Participate in overall bank management by serving on internal committees.
• Maintain complete knowledge and understanding of Loan Policy, as well as knowledge of policy and compliance requirements for banking. Handle all customer interactions and file records in compliance with federal, state, and FDIC regulations. Assist in and respond to internal and external audits and reviews.
• Underwrite and originate Small Business Administration (SBA) loans including having an understanding of eligibility requirements and standards of practice.

Commercial Lender Desired Qualifications

• Degree in business or finance related field.
• Understanding of accounting, time value of money concepts, business finance, and business law.
• Proficiency with Excel, Word, Power Point, Microsoft Outlook, and Windows products.
• Mathematical skills.
• Strong written and verbal communication skills.
• Proven sales ability and established referral sources.
• Strong, in-depth credit analysis and risk management skills.
• High level of industry and product knowledge.
• Results orientation—plans, organizes and uses time, technology and resources efficiently.
• Team player—develops and maintains positive working relationships.
• Provides a professional experience for internal and external customers.

About Us

Since 1876, Citizens Bank Minnesota has been proud to serve our neighbors as a community-owned and operated bank. From our main office in New Ulm to our branches in Lafayette, La Salle, Lakeville, Watkins and Ormsby, our story has always been about people, our customers, our team members, and the communities we call home.

For 150 years, your trust and loyalty have allowed us to remain one of the oldest and strongest banks in Minnesota. Because of you, we've been able to grow alongside our communities, providing financial solutions that are both reliable and flexible to meet your unique needs.

Our team continues to live out our core values of Excellence, Integrity, Culture, Loyalty, and Innovation every day. Whether through our WooHoo! Banking products, community involvement, or the relationships we build by truly knowing our customers, our vision remains the same: to Deliver the Ultimate Experience.