VP of Commercial Lending & Business Growth

Town & Country Credit Union; Fargo (ND); On-site; USD 110,000 - 170,000; Full time

Job summary

Town & Country Credit Union is seeking a VP, Commercial Loan Officer to lead a high-quality commercial loan portfolio and build meaningful relationships with business owners and community partners. You will assess needs and craft customized financing solutions that support both immediate needs and long-term success.

You''ll manage the full lending process—from prospecting to closing—structure loans, and collaborate with credit analysts to present credible credit requests while ensuring policy

Qualifications

• 3-5 years of commercial banking, commercial lending, business ownership, or related financial experience.
• Strong understanding of commercial credit principles, financial analysis, cash flow analysis, and risk assessment.
• Proven ability to develop new business and build long-term relationships with business owners and commercial clients.

Responsibilities

• Develop and structure creative commercial lending solutions based on member needs, risk, relationship value, and profitability.
• Advise members on financing decisions and financial strategies by analyzing balance sheets, income statements, cash flow projections, tax returns, and other financial information.
• Build and manage a high-quality commercial loan portfolio while meeting growth, production, profitability, and credit quality goals.
• Develop new commercial relationships through networking, referrals, cold and warm outreach, community involvement, and other business development activities.
• Promote and sell commercial loan products while identifying opportunities to deepen relationships through additional products and services.
• Build trusted, long-term relationships with business owners and decision-makers by understanding their businesses, industries, and financial objectives.
• Collaborate with credit analysts and other internal partners to review, structure, and present credit requests while participating in the decision-making process.
• Structure loan terms, prepare credit proposals, and ensure lending decisions comply with established policies, procedures, and regulatory requirements.
• Continuously monitor portfolio performance, identify emerging risks, and take appropriate action to address delinquency, deteriorating financial conditions, or other credit concerns.
• Participate in business and community organizations, networking events, and other activities that strengthen Town & Country Credit Union's presence in the commercial community.
• Regularly meet with members and prospects at their businesses or other locations to understand their operations, assess needs, and strengthen relationships.

Skills

Relationship building

Financial analysis

Business development

Credit principles

Cash flow analysis

Risk assessment

Education

Bachelor's degree or equivalent experience

Job description

Town & Country Credit Union is seeking a VP, Commercial Loan Officer to lead a high-quality commercial loan portfolio and build meaningful relationships with business owners and community partners. You will assess needs and craft customized financing solutions that support both immediate needs and long-term success.

You''ll manage the full lending process—from prospecting to closing—structure loans, and collaborate with credit analysts to present credible credit requests while ensuring policy