Strategic Commercial Lending Officer

Granite Bank; Cold Spring (MN); On-site; USD 85,000 - 115,000; Full time

Job summary

Granite Bank in Cold Spring, MN seeks a Commercial Loan Officer to deliver tailored financial solutions to businesses while building strong community relationships. You will review financial statements, structure loans, and work with departments to ensure smooth processing, compliance, and proactive client service.

The role requires 3–5 years in lending, a finance-related degree, and a client-first mindset; we prize integrity and community focus.

Qualifications

• Bachelor’s degree required in finance or related field.
• 3–5 years of commercial lending or credit analysis experience.
• Ability to analyze financial statements and cash flows.
• Knowledge of lending regulations and risk management.

Responsibilities

• Actively prospect, develop and manage new commercial lending opportunities by networking, relationship-building, and leveraging community ties.
• Review financial statements, tax returns, business plans, and other relevant documents to assess creditworthiness and inform loan structuring decisions.
• Design and propose flexible, business-specific loan solutions that meet client needs while ensuring policy compliance.
• Build and maintain lasting client relationships through proactive communication and service.

Skills

Commercial lending

Financial analysis

Relationship building

Communication skills

Regulatory compliance

Education

Bachelor’s degree in Finance, Business Administration, or related field

Job description

Granite Bank in Cold Spring, MN seeks a Commercial Loan Officer to deliver tailored financial solutions to businesses while building strong community relationships. You will review financial statements, structure loans, and work with departments to ensure smooth processing, compliance, and proactive client service.

The role requires 3–5 years in lending, a finance-related degree, and a client-first mindset; we prize integrity and community focus.