Community Banker I

Mercantile Bank; Troy (MI); On-site; USD 100,000 - 140,000; Full time

Benefits offered by this job

Vacation time and sick time

11 paid holidays

401k match

Life insurance

Tuition reimbursement

IVF and adoption assistance

Zero-interest loans for fitness and to

Discounted banking services

Employee stock purchase plan

529 savings plans

Health savings accounts

Flexible spending accounts

Legal protection

Training and development opportunities

Volunteer program

Job summary

Mercantile Bank in Troy, MI is hiring a Full-Time Commercial Banker to expand the commercial lending and deposit portfolios. You will grow relationships with local businesses, leverage cross-selling to promote bank products, and represent the Bank at community events.

The role requires a robust credit background, including managing a large C&I loan portfolio and formal credit training, with a focus on profitability and asset quality. A Bachelor’s degree in finance or accounting is required.

Qualifications

• Ten or more years of commercial lending experience.
• Formal bank credit training and experience as a Credit Analyst.
• Bachelor's degree in finance or accounting.

Responsibilities

• Grow the Bank's commercial loan portfolio and deposits while strengthening client relationships.
• Develop and manage a list of potential customers; cross-sell bank products including deposits and treasury management solutions.
• Assess loan requests for alignment with credit and profitability standards; monitor credit quality with regular reporting and borrower follow-up.
• Represent the Bank at community events to strengthen local ties and support the commercial banking relationship.

Skills

Commercial lending

Credit training

Credit analysis

Loan portfolio management

Education

Bachelor's degree in finance or accounting

Job description

Job Description

Mercantile Bank was built by Commercial Bankers to do Commercial Lending. As we expand through the state of Michigan, we are looking for someone to join us as a Full-Time Commercial Banker in Troy, MI. Practice your craft in Commercial Banking in the community that you know and love. This exciting opportunity allows you to leverage your expertise while collaborating with local businesses to help them achieve their goals and foster economic growth. You'll immerse yourself in a fun and flexible work culture that prioritizes customer-centricity and innovation. Your passion for problem-solving will shine as you tackle unique financial challenges, contributing to the success of the businesses you serve. Engaging with local entrepreneurs and crafting tailored financial solutions will not only enhance your professional growth but also nurture a sense of community.

Join us and be part of a high-performance team dedicated to excellence and integrity in banking.

Use your industry and banking knowledge to grow the bank's commercial lending & deposit portfolios.

Serve as a market leader in your community to drive successful partnerships with centers of influence and community members.

Why Mercantile Bank?

Mercantile Bank was founded by entrepreneurs who believed that building strong relationships and communities is accomplished through collaboration and innovation. It's more than being a financial institution, it's being a trusted ally and community partner. As Michigan's largest community bank, our roots are deeply embedded in the diverse communities we serve. Our commitment to our customers and community is at the core of all we do.

As an employee of Mercantile Bank, you will receive competitive compensation, bonus opportunities, and best-in-class benefit options. With a minimum of four weeks' vacation, sick time, 11 paid holidays, a generous 401k match of 5%, company paid life insurance, tuition reimbursement, IVF and adoption assistance, zero-interest loans for fitness equipment and business attire, discounted bank services, employee stock purchase plan, 529 savings plans, health savings accounts, flexible spending accounts, legal protection, exceptional training and development opportunities, and encouragement to volunteer in your community.

As a Commercial Banker at Mercantile Bank in Troy, MI, you will play a crucial role in enhancing the Bank's profitability through relationship-building with customers and prospects. Your responsibilities will include systematically developing a potential customer list and utilizing your cross-selling skills to promote bank products, including deposits and treasury management solutions. You will assess loan requests for alignment with the Bank's credit and profitability standards while diligently monitoring credit and asset quality through consistent reporting and follow-up with borrowers.

Representing the Bank at various community functions will allow you to strengthen local ties, while you manage and grow a commercial loan portfolio aimed at maximizing earnings and minimizing delinquency. Your commitment to excellent customer service will be key, as will your ability to prepare loan write-ups, maintain reporting systems, and present client insights to the Board of Directors.

To thrive as a Commercial Banker at Mercantile Bank, candidates must possess a robust combination of skills and experience. Candidates should have a proven history of managing a diverse commercial and industrial (C&I) loan portfolio of at least $150 million in commitments and $75 million of outstandings, along with formal credit training effectively utilized throughout their careers. Strong ties to the local community will enhance your ability to build relationships.

Independent operation is crucial, along with a professional demeanor, excellent verbal and written communication abilities, and a commitment to maintaining high attendance and appearance standards.

• Ten or more years' commercial lending experience
• Formal bank credit training and experience as a Credit Analyst
• Bachelor's degree in finance or accounting