Commercial Loan Officer - Lansing, MI

gpac; Lansing (MI); On-site; USD 65,000 - 95,000; Full time

Job summary

A Lansing, Michigan community bank is seeking a Commercial Loan Officer to develop new business and manage larger or complex commercial lending relationships. This role rewards a relationship-focused lender who combines sound credit judgment with proactive business development.

The position emphasizes building client connections with business owners and advisors, analyzing financial statements and cash flows, and maintaining portfolio quality while pursuing growth in a competitive market.

Qualifications

• 3-5 years of related lending experience; commercial lending experience strongly preferred.
• Bachelor's degree or an equivalent combination of education, related experience, and training.
• Strong understanding of financial statements, cash flow, balance sheets, and collateral.
• Ability to assess credit risk and recommend appropriate credit limits.
• Excellent customer service, communication, presentation, and negotiation skills.
• Ability to manage multiple relationships and deadlines in a fast-moving environment.

Responsibilities

• Generate commercial lending opportunities through prospecting, referrals, and relationships with business owners and professional advisors.
• Analyze financial statements, cash flow, repayment capacity, and collateral to evaluate creditworthiness.
• Manage commercial loan relationships while supporting portfolio quality and profitability.
• Coordinate timely loan renewals, approvals, and closings.
• Monitor loan and deposit performance and identify emerging credit concerns.
• Address late payments, insurance deficiencies, and outstanding financial reporting.
• Maintain accurate loan documentation and adhere to bank credit policies and regulatory requirements.
• Participate in community activities to build visibility and referral relationships.

Skills

Credit analysis

Relationship management

Credit risk assessment

Negotiation

Customer service

Communication

Education

Bachelor's degree or equivalent

Job description

Build relationships. Grow business. Make an impact.

A community bank in Lansing, Michigan is seeking a Commercial Loan Officer to develop new business and manage larger or complex commercial lending relationships. This opportunity suits a relationship-focused lender who combines sound credit judgment with proactive business development.

Key Responsibilities

• Generate commercial lending opportunities through prospecting, referrals, and relationships with business owners and professional advisors.
• Analyze financial statements, cash flow, repayment capacity, and collateral to evaluate creditworthiness.
• Manage commercial loan relationships while supporting portfolio quality and profitability.
• Coordinate timely loan renewals, approvals, and closings.
• Monitor loan and deposit performance and identify emerging credit concerns.
• Address late payments, insurance deficiencies, and outstanding financial reporting.
• Maintain accurate loan documentation and adhere to bank credit policies and regulatory requirements.
• Participate in community activities to build visibility and referral relationships.

Qualifications

• 3-5 years of related lending experience; commercial lending experience strongly preferred.
• Bachelor's degree or an equivalent combination of education, related experience, and training.
• Strong understanding of financial statements, cash flow, balance sheets, and collateral.
• Ability to assess credit risk and recommend appropriate credit limits.
• Excellent customer service, communication, presentation, and negotiation skills.
• Ability to manage multiple relationships and deadlines in a fast-moving environment.

Additional Preferred Qualifications

• Formal commercial credit training and experience preparing credit presentations.
• Demonstrated loan production and referral development.
• Experience structuring commercial loans and monitoring covenants.
• Familiarity with the Greater Lansing business community.
• Proficiency with banking systems, credit analysis tools, and Microsoft Excel.

Why Consider This Opportunity?

• Help local businesses access financing and develop lasting banking relationships.
• Combine business development with commercial portfolio management.
• Apply your credit expertise to larger or complex lending relationships.
• Build professional connections through community involvement.

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.