Vice-President Business Banker

Midstates Executive Solutions; Grand Rapids (MN); On-site; USD 110,000 - 160,000; Full time

Job summary

Midstates Executive Solutions seeks a Vice President – Business Banking to lead a commercial lending portfolio and build lasting client relationships in Minnesota. The role emphasizes credit judgment, portfolio growth, and community engagement to deliver tailored financial solutions to local businesses.

The ideal candidate will bring a solid track record in commercial lending, strong negotiation and business development skills, and a disciplined approach to credit risk and regulatory compliance.

Qualifications

• Minimum two years of postsecondary education or equivalent certification.
• At least five years of commercial lending experience.
• Strong understanding of commercial lending, financial statement analysis, credit risk, and lending regulations.
• Knowledge of local economic conditions and legal considerations related to lending and collections.
• Strong communication, negotiation, relationship management, and business development skills.
• Ability to present credit requests clearly and make objective lending decisions.
• Proficiency with Microsoft Word, Excel, and related business applications.
• Commitment to confidentiality, professionalism, and sound business judgment.

Responsibilities

• Manage and grow a commercial loan portfolio: Serve existing and prospective business customers while maintaining credit quality and following lending policies.
• Evaluate and structure loans: Interview borrowers, review financial information, assess creditworthiness, and negotiate loan terms, covenants, and pricing.
• Make credit decisions: Approve or decline requests within assigned lending authority and present larger requests to the loan committee.
• Monitor portfolio performance: Review updated financial information, maintain accurate loan files, and identify and address repayment concerns.
• Manage loan modifications and collections: Negotiate extensions, modifications, and repayment schedules, and address delinquent loans promptly.
• Build business relationships: Develop new opportunities through outreach, referrals, and personal and professional contacts.
• Deliver financial solutions: Advise customers on business and financial matters and recommend appropriate deposit products and additional banking services.
• Represent our client in the community: Participate in local organizations, events, and activities that strengthen relationships and support the communities served.
• Maintain compliance: Ensure lending activities and documentation meet internal policies and applicable state and federal regulations.
• Support the team: Collaborate with colleagues, assist with scheduled bank opening and closing duties, and complete special projects as assigned.

Skills

Relationship management

Business development

Communication

Negotiation

Credit analysis

Financial analysis

Microsoft Word

Microsoft Excel

Education

Postsecondary education or equivalent certification

Bachelor's degree preferred

Tools

Microsoft Word

Microsoft Excel

Job description

About the job Vice-President Business Banker

Vice President – Business Banking

Employment type: Salaried exempt
Department: Lending
Reports to: Executive Vice President – Chief Credit Officer

About the Opportunity

Our client is seeking an experienced commercial lender to join their team as Vice President – Business Banking. This position offers the opportunity to build lasting business relationships, manage and grow a commercial loan portfolio, and help local businesses meet their financial needs.

The ideal candidate brings strong credit judgment, a relationship-focused approach, and the ability to generate new business through professional networks and community involvement.

Key Responsibilities

• Manage and grow a commercial loan portfolio: Serve existing and prospective business customers while maintaining credit quality and following lending policies.
• Evaluate and structure loans: Interview borrowers, review financial information, assess creditworthiness, and negotiate loan terms, covenants, and pricing.
• Make credit decisions: Approve or decline requests within assigned lending authority and present larger requests to the loan committee.
• Monitor portfolio performance: Review updated financial information, maintain accurate loan files, and identify and address repayment concerns.
• Manage loan modifications and collections: Negotiate extensions, modifications, and repayment schedules, and address delinquent loans promptly.
• Build business relationships: Develop new opportunities through outreach, referrals, and personal and professional contacts.
• Deliver financial solutions: Advise customers on business and financial matters and recommend appropriate deposit products and additional banking services.
• Represent our client in the community: Participate in local organizations, events, and activities that strengthen relationships and support the communities served.
• Maintain compliance: Ensure lending activities and documentation meet internal policies and applicable state and federal regulations.
• Support the team: Collaborate with colleagues, assist with scheduled bank opening and closing duties, and complete special projects as assigned.

Required Qualifications

• A minimum of two years of postsecondary education or equivalent certification.
• At least five years of commercial lending experience.
• Strong understanding of commercial lending, financial statement analysis, credit risk, and lending regulations.
• Knowledge of business management practices, local economic conditions, and legal considerations related to lending and collections.
• Strong communication, negotiation, relationship management, and business development skills.
• Ability to present credit requests clearly and make objective, well-supported lending decisions.
• Proficiency with Microsoft Word, Excel, and related business applications.
• Commitment to confidentiality, professionalism, and sound business judgment.

Preferred Qualifications

• Bachelor's degree in business, finance, or accounting.
• Ten or more years of commercial lending experience.

Ideal Candidate

Our client is looking for a relationship-driven banking professional who can balance portfolio growth with disciplined credit management. The successful candidate will provide responsive service, identify opportunities to deepen customer relationships, and contribute positively to the team and the community.