VP, Commercial Lending & Relationship Builder

Midstates Executive Solutions; Grand Rapids (MN); Vor Ort; USD 110.000 - 160.000; Vollzeit

Zusammenfassung

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.

Qualifikationen

• 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.

Aufgaben

• 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.

Kenntnisse

Relationship management

Business development

Communication

Negotiation

Credit analysis

Financial analysis

Microsoft Word

Microsoft Excel

Ausbildung

Postsecondary education or equivalent certification

Bachelor's degree preferred

Tools

Microsoft Word

Microsoft Excel

Jobbeschreibung

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.