Commercial Lending Specialist — Growth, Structuring & Portfolio

Sturgis Bank; Saint Joseph (MI); On-site; USD 90,000 - 130,000; Full time

Job summary

Sturgis Bank in Michigan seeks a Commercial Lending Officer to develop new business, structure and close commercial loans, and service a growing loan portfolio. You will engage with local businesses to build market presence and assess credit structures.

The role requires strong analytical and underwriting skills, plus the ability to present complex financial topics to senior management. A Bachelor's degree and 2–5 years of commercial lending experience are preferred.

Qualifications

• Bachelor's degree required; advanced degree preferred.
• 2–5 years of commercial lending experience with credit analysis and portfolio management.
• Strong analytical and mathematical capabilities and understanding of credit underwriting.
• Excellent written and verbal communication; proficient with MS Office.

Responsibilities

• Interviews applicants to determine loan requirements and gather pertinent information for loan applications.
• Requests applicant credit reports, background checks and other information pertinent to loan evaluation.
• Coordinates with management to gather, analyze, summarize, and prepare loan recommendations.
• Partners with credit analysts to analyze applicants' financial status and asset evaluation to determine feasibility of granting loan.
• Resolves uncertainties relating to customer information through inquiries with applicants or creditors.
• Structure loans within policy and obtain proper approvals.
• Prepares financing proposals for presentation to applicants.
• Reviews loan documentation prior to closing for completeness and acceptance by the applicant.
• Manage loan portfolio including renewals, modifications, updated credit analysis, collections, and monitoring.
• Other tasks as assigned.

Skills

Analytical skills

Credit underwriting

Portfolio management

Financial analysis

MS Office

Verbal communication

Presentation skills

Education

Bachelor's degree in finance, accounting, or business

Tools

MS Office

Job description

Sturgis Bank in Michigan seeks a Commercial Lending Officer to develop new business, structure and close commercial loans, and service a growing loan portfolio. You will engage with local businesses to build market presence and assess credit structures.

The role requires strong analytical and underwriting skills, plus the ability to present complex financial topics to senior management. A Bachelor's degree and 2–5 years of commercial lending experience are preferred.