Commercial Loan Officer - Lansing, MI

gpac; Williamston (MI); On-site; USD 85,000 - 120,000; Full time

Job summary

gpac is seeking a Commercial Loan Officer for a Lansing, MI community bank to develop new business and manage larger or complex lending relationships. The role emphasizes credit judgment and proactive business development to build lasting client connections and portfolio performance.

Responsibilities include prospecting, evaluating credit risk, coordinating renewals, and maintaining thorough loan documentation while adhering to bank policies.

Qualifications

• Bachelor's degree or equivalent education and training.
• Strong understanding of financial statements, cash flow, and collateral.
• Ability to assess credit risk and set credit limits.
• Excellent customer service and communication skills.

Responsibilities

• Generate commercial lending opportunities through prospecting and referrals.
• Analyze financial statements and collateral to evaluate creditworthiness.
• Manage commercial loan relationships and portfolio performance.
• Coordinate loan renewals, approvals, and closings.
• Monitor loan and deposit performance and address credit concerns.
• Maintain loan documentation and comply with policies.
• Engage with the community to build visibility and referrals.
• Support regulatory requirements and credit policy adherence.

Skills

Credit risk assessment

Relationship management

Financial statement analysis

Communication

Negotiation

Time management

Customer service

Education

Bachelor's degree

Tools

Excel

Credit analysis tools

Banking systems

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.