Hybrid VP, Commercial Lending & Credit Solutions

Royal Credit Union Inc.; Edina (MN); Hybrid; USD 130,000 - 172,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

5% 401k employer match

Paid family and sick leave, vacation

Job summary

Royal Credit Union in Edina, MN is seeking a VP Commercial Loan Officer to lead a dynamic commercial portfolio and cultivate partnerships with COIs and local businesses. You will structure complex lending solutions, analyze credit risk, and drive loan production while delivering tailored financial solutions.

The role requires a Bachelor’s degree in finance or related field, 5–10+ years in commercial lending, and strong leadership, communication, and analytical skills.

Qualifications

• Bachelors Degree in Finance, Accounting, Business, Economics or related field or equivalent business lending work experience
• Three (3) years of Commercial Lending experience
• Must be bondable
• Valid Drivers License and maintain it
• Insured vehicle
• Expertise in Commercial Lending & Credit Analysis: Strong ability to evaluate financial statements, business plans, and credit risk, including loan structuring, underwriting, and portfolio management.
• Business Development & Relationship Management: Proven ability to generate leads, build networks, and maintain strong relationships with Members, community partners, and centers of influence.
• Analytical & Decision-Making Skills: Advanced critical thinking skills to interpret data, assess risk vs. reward, and make informed, timely decisions in complex situations.
• Communication & Presentation Skills: Excellent verbal and written communication skills to clearly articulate financial solutions, present to committees, and influence stakeholders.
• Technology & Organizational Proficiency: Skilled in using digital banking tools and Microsoft Office applications, with strong time management and the ability to prioritize in a fast-paced environment.
• 5-10+ years of Commercial and Commercial Real Estate Lending experience

Responsibilities

• Develop and manage a complex portfolio of diverse, quality, and profitable commercial and commercial real estate loans and deposits, and treasury/cash management services.
• Loan production including business development, networking, and relationship management.
• Develop and maintain strong relationships with COIs, existing member networks, community leaders, and other partners.
• Analyze and evaluate loan applications and make appropriate recommendations regarding product offerings, loan structuring, pricing, and approval.
• Participate in overall credit/risk management, portfolio management, and servicing of assigned portfolio.
• Ensure compliance with lending policies and procedures.
• Actively collaborate with other Royal Team Members to help meet Members' specific commercial lending, commercial real estate lending, and deposit and treasury/cash management needs.

Skills

Commercial Lending

Credit Analysis

Business Development

Relationship Management

Analytical Thinking

Communication Skills

Financial Proficiency

Time Management

Education

Bachelors Degree in Finance, Accounting, Business, Economics or related field

Graduate School of Banking courses / CUNA courses

Tools

Microsoft Office

Digital Banking Tools

Job description

Royal Credit Union in Edina, MN is seeking a VP Commercial Loan Officer to lead a dynamic commercial portfolio and cultivate partnerships with COIs and local businesses. You will structure complex lending solutions, analyze credit risk, and drive loan production while delivering tailored financial solutions.

The role requires a Bachelor’s degree in finance or related field, 5–10+ years in commercial lending, and strong leadership, communication, and analytical skills.